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					Bank of America, N.A.                                    Call Date:       12/31/2000     State #:     37-0355    FFIEC 031
100 N. Tryon Street                                     Vendor ID:        D               Cert #:     03510          RI-1
Charlotte, NC 28255                                      Transit #:       53000196
                                                                                                                        3

Consolidated Report of Income
for the period January 1, 2000 - December 31, 2000
All Report of Income schedules are to be reported on a calendar year-to-date basis in thousands of dollars.

Schedule RI - Income Statement
                                                                                                                  I480 <-
                                                                                         Dollar Amounts in Thousands
1. Interest Income:
  a. Interest and fee income on loans:
     (1) In domestic offices:                                                                            RIAD
                                                                                                                14,203,000 1.a.1.a
        (a) Loans secured by real estate________________________________________________________________________________________________________
                                                                                                         4011
                                                                                                                 1,690,000 1.a.1.b
        (b) Loans to depository institutions________________________________________________________________________________
                                                                                                         4019
                                                                                                                   129,000 1.a.1.c
        (c) Loans to finance agricultural production and other loans to farmers__________________________________________________________________________
                                                                                                         4024
                                                                                                                 9,507,000 1.a.1.d
        (d) Commercial and industrial loans_____________________________________________________________________________________________________
                                                                                                         4012
                                                                                                                     5,000 1.a.1.e
        (e) Acceptances of other banks___________________________________________________________________________________________
                                                                                                         4026
        (f) Loans to individuals for household, family, and other personal expenditures:
                                                                                                                   175,000 1.a.1.f.1
            (1) Credit cards and related plans_____________________________________________________________________________________________________
                                                                                                         4054
                                                                                                                 2,539,000 1.a.1.f.2
            (2) Other________________________________________________________________________________________________________________________
                                                                                                         4055
                                                                                                                    44,000 1.a.1.g
        (g) Loans to foreign governments and official institutions_____________________________________________________________________________________
                                                                                                         4056
        (h) Obligations (other than securities and leases) of states and political subdivisions
             in the U.S.:
                                                                                                                   109,000 1.a.1.h.1
            (1) Taxable obligations_____________________________________________________________________________________________________________
                                                                                                         4503
                                                                                                                    96,000 1.a.1.h.2
            (2) Tax-exempt obligations__________________________________________________________________________________________________________
                                                                                                         4504
                                                                                                                   624,000 1.a.1.i
        (i) All other loans in domestic offices____________________________________________________________________________________________________
                                                                                                         4058
                                                                                                                   750,000 1.a.2
     (2) In foreign offices, Edge and Agreement subsidiaries, and IBFs_______________________________________________________________________________
                                                                                                         4059
  b. Income from lease financing receivables:
                                                                                                                   652,000 1.b.1
     (1) Taxable leases____________________________________________________________________________________________________________________
                                                                                                         4505
                                                                                                                         0 1.b.2
     (2) Tax-exempt leases_________________________________________________________________________________________________________________
                                                                                                         4307
  c. Interest income on balances due from depository institutions: (1)
                                                                                                                   111,000 1.c.1
     (1) In domestic offices_________________________________________________________________________________________________________________
                                                                                                         4105
                                                                                                                   190,000 1.c.2
     (2) In foreign offices, Edge and Agreement subsidiaries, and IBFs_______________________________________________________________________________
                                                                                                         4106
  d. Interest and dividend income on securities:
     (1) U.S. Treasury securities and U.S. Government agency obligations
          (including mortgage-backed securities issued
                                                                                                                 3,877,000 1.d.1
          or guaranteed by FNMA, FHLMC, or GNMA) ________________________________________________________________________
                                                                                                         4027
     (2) Securities issued by states and political subdivisions in the U.S.:
                                                                                                                     2,000 1.d.2.a
         (a) Taxable securities________________________________________________________________________________________________________________
                                                                                                         4506
                                                                                                                   143,000 1.d.2.b
         (b) Tax-exempt securities____________________________________________________________________________________________________________
                                                                                                         4507
     (3) Other domestic debt securities
          (including mortgage-backed securities not issued
                                                                                                                    59,000 1.d.3
          or guaranteed by FNMA, FHLMC, or GNMA) ________________________________________________________________________
                                                                                                         3657
                                                                                                                   508,000 1.d.4
     (4) Foreign debt securities______________________________________________________________________________________________________________
                                                                                                         3658
                                                                                                                    65,000 1.d.5
     (5) Equity securities (including investments in mutual funds)____________________________________________________________________________________
                                                                                                         3659
                                                                                                                 1,624,000 1.e
  e. Interest income from trading assets_______________________________________________________________________________________________________
                                                                                                         4069


(1) Includes interest income on time certificates of deposits not held for trading.
Bank of America, N.A.                            Call Date:     12/31/2000                State #:     37-0355    FFIEC 031
100 N. Tryon Street                             Vendor ID:      D                          Cert #:     03510          RI-2
Charlotte, NC 28255                              Transit #:     53000196
                                                                                                                         4

Schedule RI - Continued
                                                                                                    Dollar Amounts in Thousands
 1. Interest income (continued)
    f. Interest income on federal funds sold and securities purchased under              RIAD Year-to-Date
                                                                                                   347,000
       agreements to resell ____________________________________________________________________________________________________
                                                                                         4020                                   1.f
                                                                                                37,449,000                      1.g
   g. Total interest income (sum of items 1.a through 1.f)___________________________________________________________________________________________
                                                                                         4107
  2. Interest expense:
     a. Interest on deposits:
        (1) Interest on deposits in domestic offices:
            (a) Transaction accounts (NOW accounts, ATS accounts, and
                                                                                                    73,000                      2.a.1.a
                 telephone and preauthorized transfer accounts)________________________________________________________________________________________
                                                                                         4508
            (b) Nontransaction accounts:
                                                                                                 2,868,000                      2.a.1.b.1
                (1) Money market deposit accounts (MMDAs)__________________________________________________________________________________________
                                                                                         4509
                                                                                                   351,000                      2.a.1.b.2
                (2) Other savings deposits_________________________________________________________________________________________________________
                                                                                         4511
                                                                                                 1,886,000                      2.a.1.b.3
                (3) Time deposits of $100,000 or more __________________________________________________________________________________
                                                                                         A517
                                                                                                 2,775,000                      2.a.1.b.4
                (4) Time deposits of less than $100,000 _________________________________________________________________________________
                                                                                         A518
        (2) Interest on deposits in foreign offices, Edge and agreement
                                                                                                 4,282,000                      2.a.2
            subsidiaries, and IBFs_______________________________________________________________________________________________________________
                                                                                         4172
      b. Expense of federal funds purchased
          and securities sold under
                                                                                                 2,956,000
          agreements to repurchase _____________________________________________________________________________________________
                                                                                         4180                                   2.b
      c. Interest on demand notes issued to the U.S. Treasury, trading liabilities,
                                                                                                 3,828,000                      2.c
          and on other borrowed money__________________________________________________________________________________________________________
                                                                                         4185
      d. Not applicable
                                                                                                   745,000                      2.e
      e. Interest on subordinated notes and debentures_____________________________________________________________________________________________
                                                                                         4200
                                                                                                19,764,000 RIAD                 2.f
      f. Total interest expense (sum of items 2.a through 2.e)________________________________________________________________________________________
                                                                                         4073
                                                                                                                     17,685,000 3.
  3. Net interest income (item 1.g minus 2.f)_____________________________________________________________________________________________________
                                                                                                            4074
  4. Provisions:
                                                                                                                      2,136,000 4.a
     a. Provision for credit losses _______________________________________________________________________________________
                                                                                                            4230
                                                                                                                              0 4.b
     b. Provision for allocated transfer risk _________________________________________________________________________________
                                                                                                            4243
  5. Noninterest income:                                                                 RIAD
                                                                                                 1,090,000                      5.a
     a. Income from fiduciary activities__________________________________________________________________________________________________________
                                                                                         4070
                                                                                                 4,104,000                      5.b
     b. Service charges on deposit accounts in domestic offices______________________________________________________________________________________
                                                                                         4080
     c. Trading revenue (must equal Schedule RI, sum of Memorandum
                                                                                                 1,171,000
          items 8.a through 8.d)___________________________________________________________________
                                                                                         A220                                   5.c
     d. - e. Not applicable
      f. Other noninterest income:
                                                                                                 2,729,000                      5.f.1
        (1) Other fee income__________________________________________________________________________________________________________________
                                                                                         5407
                                                                                                 1,500,000 RIAD                 5.f.2
        (2) All other noninterest income *_________________________________________________________________________________________________________
                                                                                         5408
                                                                                                                     10,594,000 5.g
     g. Total noninterest income (sum of items 5.a through 5.f)_______________________________________________________________________________________
                                                                                                            4079
                                                                                                                              0 6.a
  6. a. Realized gains (losses) on held-to-maturity securities ________________________________________________________________________________________
                                                                                                            3521
                                                                                                                         44,000 6.b
     b. Realized gains (losses) on available-for-sale securities _______________________________________________________________________________________
                                                                                                            3196
  7. Noninterest expense:                                                                RIAD
                                                                                                 7,451,000                      7.a
     a. Salaries and employee benefits_________________________________________________________________________________________________________
                                                                                         4135
     b. Expenses of premises and fixed assets (net of rental income)
                                                                                                 2,637,000                      7.b
         (excluding salaries and employee benefits and mortgage interest)______________________________________________________________________________
                                                                                         4217
                                                                                                 5,683,000 RIAD                 7.c
     c. Other noninterest expense *____________________________________________________________________________________________________________
                                                                                         4092
                                                                                                                     15,771,000 7.d
     d. Total noninterest expense (sum of items 7.a through 7.c)_____________________________________________________________________________________
                                                                                                            4093
  8. Income (loss) before income taxes and extraordinary items and other
                                                                                                                     10,416,000 8.
     adjustments (item 3 plus or minus items 4.a, 4.b, 5.g, 6.a, 6.b, and 7.d)____________________________________________________________________________
                                                                                                            4301
                                                                                                                      3,906,000 9.
  9. Applicable income taxes (on item 8)________________________________________________________________________________________________________
                                                                                                            4302
                                                                                                                      6,510,000 10.
10. Income (loss) before extraordinary items and other adjustments (item 8 minus 9) _________________________________________________
                                                                                                            4300
11. Extraordinary items and other adjustments, net of income taxes * ____________________________________________________
                                                                                                            4320              0 11
                                                                                                                      6,510,000 12.
12. Net income (loss) (sum of items 10 and 11) ___________________________________________________________________________________
                                                                                                            4340


 * Describe on Schedule RI-E - Explanations.
Bank of America, N.A.                               Call Date:      12/31/2000          State #:     37-0355     FFIEC 031
100 N. Tryon Street                                Vendor ID:       D                    Cert #:     03510           RI-3
Charlotte, NC 28255                                 Transit #:      53000196
                                                                                                                       5

Schedule RI - Continued


                                                                                                                  I481 <-
                                                                                         Dollar Amounts in Thousands
Memoranda
1. Interest expense incurred to carry tax-exempt securities, loans, and leases acquired after           RIAD Year-to-Date
                                                                                                                     5,000 M.1
   August 7, 1986, that is not deductible for federal income tax purposes______________________________________________________________________________
                                                                                                        4513
2. Income from the sale and servicing of mutual funds and annuities in domestic offices
                                                                                                                  604,000 M.2
   (included in Schedule RI, item 8) __________________________________________________________________________________________________________
                                                                                                        8431
3. - 4. Not applicable
5. Number of full-time equivalent employees on payroll at end of current period (round to                      Number
                                                                                                                  134,000 M.5
   nearest whole number)__________________________________________________________________________________________________________________
                                                                                                        4150
6. Not applicable
7. If the reporting bank has restated its balance sheet as a result of applying push                     CCYY / MM / DD
                                                                                                                        N/A M.7
   accounting this calendar year, report the date of the bank's acquisition_____________________________________________________________________________
                                                                                                        9106
8. Trading revenue (from cash instruments and off-balance sheet derivative instruments)
   (sum of Memorandum items 8.a through 8.d must equal Schedule RI, item 5.c):
                                                                                                                  337,000 M.8.a
   a. Interest rate exposures________________________________________________________________________________________________________________
                                                                                                        8757
                                                                                                                  513,000 M.8.b
   b. Foreign exchange exposures____________________________________________________________________________________________________________
                                                                                                        8758
                                                                                                                  253,000 M.8.c
   c. Equity security and index exposures______________________________________________________________________________________________________
                                                                                                        8759
                                                                                                                    68,000 M.8.d
   d. Commodity and other exposures_________________________________________________________________________________________________________
                                                                                                        8760
9. Impact on income of off-balance sheet derivatives held for purposes other than trading:
                                                                                                                   (48,000) M.9.a
  a. Net increase (decrease) to interest income_________________________________________________________________________________________________
                                                                                                        8761
                                                                                                                   (30,000) M.9.b
  b. Net (increase) decrease to interest expense________________________________________________________________________________________________
                                                                                                        8762
                                                                                                                   (78,000) M.9.c
  c. Other (noninterest) allocations___________________________________________________________________________________________________________
                                                                                                        8763
                                                                                                                     1,000 M.10
10. Credit losses on off-balance sheet derivatives (see instructions)________________________________________________________________
                                                                                                        A251
11. Does the reporting bank have a Subchapter S election in effect for                                        YES / NO
                                                                                                                 NO         M.11
   federal income tax purposes for the current tax year ? ___________________________________________________________________________
                                                                                                        A530
12. Deferred portion of total applicable income taxes included in Schedule RI,
                                                                                                                    79,000 M.12
    items 9 and 11 (to be reported with the December Report of Income) _________________________________________________________
                                                                                                        4772


(1) For example, a bank acquired on June 1, 1998, would report 1998/06/01
 * Describe on Schedule RI-E - Explanations.
Bank of America, N.A.                              Call Date:      12/31/2000                 State #:      37-0355     FFIEC 031
100 N. Tryon Street                               Vendor ID:       D                           Cert #:      03510           RI-4
Charlotte, NC 28255                                Transit #:      53000196
                                                                                                                               6

Schedule RI-A - Changes in Equity Capital
Indicate decreases and losses in parentheses.                                                                            I483 <-
                                                                                               Dollar Amounts in Thousands
 1. Total equity capital originally reported in the December 31, 1999, Reports of Condition                    RIAD
    and Income _____________________________________________________________________________________________________
                                                                                                               3215   47,596,000 1
 2. Equity capital adjustments from amended Reports of Income, net * __________________________________________________________
                                                                                                               3216            0 2.
                                                                                                                      47,596,000 3.
 3. Amended balance end of previous calendar year (sum of items 1 and 2) _______________________________________________________
                                                                                                               3217
                                                                                                                       6,510,000 4.
 4. Net income (loss) (must equal Schedule RI, item 12) ______________________________________________________________________
                                                                                                               4340
                                                                                                                          81,000 5.
 5. Sale, conversion, acquisition, or retirement of capital stock, net ______________________________________________________________
                                                                                                               4346
                                                                                                                         (61,000) 6.
 6. Changes incident to business combinations, net ________________________________________________________________________
                                                                                                               4356
 7. LESS: Cash dividends declared on preferred stock ________________________________________________________________________
                                                                                                               4470            0 7.
                                                                                                                       6,700,000 8.
 8. LESS: Cash dividends declared on common stock _______________________________________________________________________
                                                                                                               4460
 9. Cumulative effect of changes in accounting principles from prior years * (see instructions for
    this schedule) _____________________________________________________________________________________________________
                                                                                                               4411            0 9.
                                                                                                                               0 10.
10. Corrections of material accounting errors from prior years * (see instructions for this schedule) ____________________________________
                                                                                                               4412
                                                                                                                       1,892,000 11.a
11. a Change in net unrealized holding gains (losses) on available-for-sale securities _______________________________________________
                                                                                                               8433
    b. Change in accumulated net gains (losses) on cash flow hedges __________________________________________________________
                                                                                                               4574            0 11.b
                                                                                                                          12,000 12
12. Foreign currency translation adjustments ______________________________________________________________________________
                                                                                                               4414
                                                                                                                               0 13
13. Other transactions with parent holding company * (not included in item 5, 7, or 8 above) _________________________________________
                                                                                                               4415
14. Total equity capital end of current period (sum of items 3 through 13) (must equal
                                                                                                                      49,330,000 14
    Schedule RC, item 28) _____________________________________________________________________________________________
                                                                                                               3210


* Describe on Schedule RI-E - Explanations.

Schedule RI-B - Charge-offs and Recoveries on Loans and Leases and
                 Changes in Allowance for Credit Losses
Part I. Charge-offs and Recoveries on Loans and Leases (1)

Part I excludes charge-offs and recoveries through the
allocated transfer risk reserve.                                                                                         I486 <-
                                                                                                   Dollar Amounts in Thousands
                                                                                              ----Calendar year-to-date----
                                                                                            ( Column A )         ( Column B )
1. Loans secured by real estate:                                                      RIAD Charge-offs RIAD Recoveries
                                                                                                  236,000 4661          91,000 1.a
   a. To U.S. addressees (domicile)__________________________________________________________________________________________________________
                                                                                      4651
                                                                                                    3,000 4662               0 1.b
   b. To non-U.S. addressees (domicile) ______________________________________________________________________________________
                                                                                      4652
2. Loans to depository institutions and acceptances of other banks:
                                                                                                         0 4663              0 2.a
   a. To U.S. banks and other U.S. depository institutions_________________________________________________________________________________________
                                                                                      4653
                                                                                                         0 4664              0 2.b
   b. To foreign banks_____________________________________________________________________________________________________________________
                                                                                      4654
                                                                                                    4,000 4665               0 3
3. Loans to finance agricultural production and other loans to farmers________________________________________________________________________________
                                                                                      4655
4. Commercial and industrial loans:
                                                                                               1,339,000 4617          118,000 4.a
   a. To U.S. addressees (domicile)__________________________________________________________________________________________________________
                                                                                      4645
                                                                                                  111,000 4618          31,000 4.b
   b. To non-U.S. addressees (domicile)_______________________________________________________________________________________________________
                                                                                      4646
5. Loans to individuals for household, family, and other personal
   expenditures:
                                                                                                   29,000 4666           6,000 5.a.
   a. Credit cards and related plans___________________________________________________________________________________________________________
                                                                                      4656
                                                                                                  738,000 4667         254,000 5.b.
   b. Other (includes single payment, installment, and all student loans)_______________________________________________________________________________
                                                                                      4657
                                                                                                    1,000 4627           3,000 6
6. Loans to foreign governments and official institutions___________________________________________________________________________________________
                                                                                      4643
                                                                                                   67,000 4628          19,000 7
7. All other loans_________________________________________________________________________________________________________________________
                                                                                      4644
8. Lease financing receivables:
                                                                                                   14,000 4668           4,000 8.a.
   a. Of U.S. addressees (domicile)___________________________________________________________________________________________________________
                                                                                      4658
                                                                                                         0 4669              0 8.b.
   b. Of non-U.S. addressees (domicile)_______________________________________________________________________________________________________
                                                                                      4659
                                                                                               2,542,000 4605          526,000 9
9. Total (sum of items 1 through 8)___________________________________________________________________________________________________________
                                                                                      4635
Bank of America, N.A.                           Call Date:     12/31/2000                State #:          37-0355   FFIEC 031
100 N. Tryon Street                            Vendor ID:      D                          Cert #:          03510         RI-5
Charlotte, NC 28255                             Transit #:     53000196
                                                                                                                          7

Schedule RI-B - Continued
Part I. Continued

Memoranda
                                                                                          Dollar Amounts in Thousands

1. - 3. Not applicable.                                                                        ----Calendar year-to-date----
4. Loans to finance commercial real estate, construction, and land                           ( Column A )         ( Column B )
   development activities (not secured by real estate) included in                     RIAD Charge-offs RIAD Recoveries
                                                                                                         0 5410              0 M.4
   Schedule RI-B, part I, items 4 and 7, above__________________________________________________________________________________________________
                                                                                       5409
5. Loans secured by real estate in domestic offices (included in
  Schedule RI-B, part I, item 1, above):
                                                                                                     9,000 3583          2,000 M.5.a
   a. Construction and land development_______________________________________________________________________________________________________
                                                                                       3582
                                                                                                         0 3585              0 M.5.b
   b. Secured by farmland__________________________________________________________________________________________________________________
                                                                                       3584
   c. Secured by 1-4 family residential properties:
         (1) Revolving, open-end loans secured by 1-4 family residential
                                                                                                    25,000 5412          3,000 M.5.c.1
             properties and extended under lines of credit__________________________________________________________________________________________
                                                                                       5411
                                                                                                   172,000 5414         78,000 M.5.c.2
         (2) All other loans secured by 1-4 family residential properties________________________________________________________________________________
                                                                                       5413
                                                                                                         0 3589              0 M.5.d
   d. Secured by multifamily (5 or more) residential properties______________________________________________________________________________________
                                                                                       3588
                                                                                                    33,000 3591          8,000 M.5.e
   e. Secured by nonfarm nonresidential properties______________________________________________________________________________________________
                                                                                       3590



Part II. Changes in Allowance for Credit Losses
                                                                                          Dollar Amounts in Thousands
                                                                                                    RIAD
                                                                                                                6,479,000 1.
1. Balance originally reported in the December 31, 1999 , Reports of Condition and Income ________________________________________
                                                                                                        3124
                                                                                                                  526,000 2.
2. Recoveries (must equal or exceed part I, item 9, column B above) __________________________________________________________
                                                                                                        2419
                                                                                                                2,542,000 3.
3. LESS: Charge-offs (must equal or exceed part I, item 9, column A above) ____________________________________________________
                                                                                                        2432
                                                                                                                2,136,000 4.
4. Provision for credit losses (must equal Schedule RI, item 4.a) ______________________________________________________________
                                                                                                        4230
                                                                                                                 (139,000) 5.
5. Adjustments * (see instructions for this schedule) _________________________________________________________________________
                                                                                                        4815
6. Balance end of current period (sum of items 1 through 5) (must equal or exceed Schedule RC,
                                                                                                                6,460,000 6
   item 4.b) ________________________________________________________________________________________________________
                                                                                                        A512


* Describe on Schedule RI-E - Explanations.
Bank of America, N.A.                             Call Date:     12/31/2000                State #:          37-0355   FFIEC 031
100 N. Tryon Street                              Vendor ID:      D                          Cert #:          03510         RI-6
Charlotte, NC 28255                               Transit #:     53000196
                                                                                                                            8

Schedule RI-D - Income from International Operations
For all banks with foreign offices, Edge or Agreement subsidiaries, or IBFs where international operations
account for more than 10 percent of total revenues, total assets, or net income.

Part I. Estimated Income from International Operations
                                                                                                                       I492 <-
                                                                                            Dollar Amounts in Thousands
1. Interest income and expense booked at foreign offices, Edge and Agreement subsidiaries,
  and IBFs:                                                                                                 RIAD Year-to-Date
                                                                                                                     7,757,000 1.a
  a. Interest Income booked______________________________________________________________________________________________________________
                                                                                                            4837
                                                                                                                     9,617,000 1.b
  b. Interest expense booked________________________________________________________________________________________________________________
                                                                                                            4838
  c. Net interest income booked at foreign offices, Edge and Agreement subsidiaries, and
                                                                                                                    (1,860,000) 1.c
     IBFs (item 1.a minus 1.b)_______________________________________________________________________________________________________________
                                                                                                            4839
2. Adjustments for booking location of international operations:
                                                                                                                       638,000 2.a
   a. Net interest income attributable to international operations booked at domestic offices________________________________________________________________
                                                                                                            4840
                                                                                                                       145,000 2.b
   b. Net interest income attributable to domestic business booked at foreign offices_____________________________________________________________________
                                                                                                            4841
                                                                                                                       493,000 2.c
   c. Net booking location adjustment (item 2.a minus 2.b)_________________________________________________________________________________________
                                                                                                            4842
3. Noninterest income and expense attributable to international operations:
                                                                                                                     1,275,000 3.a
   a. Noninterest income attributable to international operations_____________________________________________________________________________________
                                                                                                            4097
                                                                                                                        99,000 3.b
   b. Provision for loan and lease losses attributable to international operations_________________________________________________________________________
                                                                                                            4235
                                                                                                                     1,112,000 3.c
   c. Other noninterest expense attributable to international operations________________________________________________________________________________
                                                                                                            4239
   d. Net noninterest income (expense) attributable to international operations (item 3.a minus
                                                                                                                        64,000 3.d
      3.b and 3.c)_________________________________________________________________________________________________________________________
                                                                                                            4843
4. Estimated pretax income attributable to international operations before capital allocation
                                                                                                                    (1,303,000) 4
   adjustment (sum of items 1.c, 2.c, and 3.d)___________________________________________________________________________________________________
                                                                                                            4844
5. Adjustment to pretax income for internal allocations to international operations to reflect
                                                                                                                       148,000 5
   the effects of equity capital on overall bank funding costs________________________________________________________________________________________
                                                                                                            4845
6. Estimated pretax income attributable to international operations after capital allocation
                                                                                                                    (1,155,000) 6
   adjustment (sum of items 4 and 5)_________________________________________________________________________________________________________
                                                                                                            4846
                                                                                                                       319,000 7
7. Income taxes attributable to income from international operations as estimated in item 6________________________________________________________________
                                                                                                            4797
                                                                                                                    (1,474,000) 8
8. Estimated net income attributable to international operations (item 6 minus 7)________________________________________________________________________
                                                                                                            4341


                                                                                            Dollar Amounts in Thousands
Memoranda                                                                                             RIAD
                                                                                                          4,192,000 M.1
1. Intracompany interest income included in item 1.a above________________________________________________________________________________________
                                                                                                  4847
                                                                                                          4,920,000 M.2
2. Intracompany interest expense included in item 1.b above_______________________________________________________________________________________
                                                                                                  4848

Part II. Supplementary Details on Income from International Operations Required by the
Departments of Commerce and Treasury for Purposes of the U.S. International
Accounts and the U.S. National Income and Product Accounts
                                                                                                   Dollar Amounts in Thousands
                                                                                                           RIAD Year-to-Date
                                                                                                                       729,000 1
1. Interest income booked at IBFs____________________________________________________________________________________________________________
                                                                                                           4849
                                                                                                                       574,000 2
2. Interest expense booked at IBFs___________________________________________________________________________________________________________
                                                                                                           4850
3. Noninterest income attributable to international operations booked at domestic offices
   (excluding IBFs):
                                                                                                                       286,000 3.a
   a. Gains (losses) and extraordinary items____________________________________________________________________________________________________
                                                                                                           5491
                                                                                                                        56,000 3.b
   b. Fees and other noninterest income_______________________________________________________________________________________________________
                                                                                                           5492
4. Provision for loan and lease losses attributable to international operations booked at domestic
                                                                                                                             0 4
   offices (excluding IBFs)__________________________________________________________________________________________________________________
                                                                                                           4852
5. Other noninterest expense attributable to international operations booked at domestic offices
                                                                                                                             0 5
   (excluding IBFs)________________________________________________________________________________________________________________________
                                                                                                           4853
Bank of America, N.A.                          Call Date:    12/31/2000               State #:    37-0355     FFIEC 031
100 N. Tryon Street                           Vendor ID:     D                         Cert #:    03510           RI-7
Charlotte, NC 28255                            Transit #:    53000196
                                                                                                                    9

 Schedule RI-E - Explanations
 Schedule RI-E is to be completed each quarter on a calendar year-to-date basis.

 Detail all adjustments in Schedules RI-A and RI-B, all extraordinary items and other adjustments in
 Schedule RI, and all significant items of other noninterest income and other noninterest expense in
 Schedule RI. (See instructions for details.)
                                                                                                               I495 <-
                                                                                      Dollar Amounts in Thousands
 1. All other noninterest income (from Schedule RI, item 5.f.(2))
     Report amounts that exceed 10% of Schedule RI, item 5.f.(2):                                     RIAD Year-to-Date
                                                                                                                      0 1.a
     a. Net gains (losses) on other real estate owned ______________________________________________________________________________
                                                                                                      5415
                                                                                                                      0 1.b
     b. Net gains (losses) on sales of loans _______________________________________________________________________________________
                                                                                                      5416
                                                                                                                      0 1.c
     c. Net gains (losses) on sales of premises and fixed assets _____________________________________________________________________
                                                                                                      5417
     Itemize and describe the three largest other amounts that exceed 10% of Schedule RI,
     item 5.f.(2):
                       TEXT                                                                           RIAD
   d. ### Misc Earnings Assets - Interest                                                             4461      606,000 1.d
   e. ### Misc Income (Service Fees, Gains/Losses)                                                    4462      529,000 1.e
    f. ### Other Intercompany Income                                                                  4463      197,000 1.f
 2. Other noninterest expense (from Schedule RI, item 7.c):                                                Year-to-date
                                                                                                                724,000 2.a
     a. Amortization expense of intangible assets ______________________________________________________________________________
                                                                                                      4531
     Report amounts that exceed 10% of Schedule RI, item 7.c:
                                                                                                                      0 2.b
     b. Net (gains) losses on other real estate owned ______________________________________________________________________________
                                                                                                      5418
                                                                                                                      0 2.c
     c. Net (gains) losses on sales of loans _______________________________________________________________________________________
                                                                                                      5419
                                                                                                                      0 2.d
     d. Net (gains) losses on sales of premises and fixed assets ______________________________________________________________________
                                                                                                      5420
     Itemize and describe the three largest other amounts that exceed 10% of Schedule RI,
     item 7.c:
                       TEXT                                                                           RIAD
   e. ### General Operating Expense                                                                   4464    2,363,000 2.e
    f. ### Intercompany Expense                                                                       4467      927,000 2.f
   g. ###                                                                                             4468           N/A 2.g
 3. Extraordinary items and other adjustments and applicable income tax effect (from Schedule RI,
      item 11.b) (itemize and describe all extraordinary items and other adjustments):
                       TEXT
a. (1)### Effect of adopting FAS 133,                                                                 RIAD
             "Accounting for Derivative Instruments and Hedging Activities"               RIAD        6373            0 3.a.1
                                                                                                    0                    3.a.2
         (2) Applicable income tax effect ______________________________________________________________________________________
                                                                                          4486
b. (1)###                                                                                             4487            0 3.b.1
                                                                                                    0                    3.b.2
         (2) Applicable income tax effect__________________________________________________________________________________________________________
                                                                                          4488
c. (1)###                                                                                             4489            0 3.c.1
                                                                                                    0                    3.c.2
         (2) Applicable income tax effect__________________________________________________________________________________________________________
                                                                                          4491
 4. Equity capital adjustments from amended Reports of Income (from Schedule RI-A, item 2)
     (itemize and describe all adjustments):
                       TEXT                                                                           RIAD
   a. ###                                                                                             4492           N/A 4.a
   b. ###                                                                                             4493           N/A 4.b
 5. Cumulative effect of changes in accounting principles from prior years
     (from Schedule RI-A, item 9) (itemize and describe all changes in accounting principles):
                       TEXT                                                                           RIAD
   a. ###                                                                                             4494           N/A 5.a
   b. ###                                                                                             4495           N/A 5.b
 6. Corrections of material accounting errors from prior years (from Schedule RI-A, item 10)
     (itemize and describe all corrections):
                       TEXT                                                                           RIAD
   a. ###                                                                                             4496           N/A 6.a
   b. ###                                                                                             4497           N/A 6.b
Bank of America, N.A.                                  Call Date:       12/31/2000    State #:          37-0355    FFIEC 031
100 N. Tryon Street                                   Vendor ID:        D              Cert #:          03510          RI-8
Charlotte, NC 28255                                    Transit #:       53000196
                                                                                                                        10

Schedule RI-E - Continued
                                                                                      Dollar Amounts in Thousands
7. Other transactions with parent holding company (from Schedule RI-A, item 13)
   (itemize and describe all such transactions):
                   TEXT                                                                          RIAD Year-to-Date
 a. ###                                                                                          4498              N/A 7.a
 b. ###                                                                                          4499              N/A 7.b
8. Adjustments to allowance for credit losses (from Schedule RI-B, part II, item 5)
   (itemize and describe all adjustments):
                   TEXT                                                                          RIAD
 a. ### Adjustments related to Acq/Sales                                                         4521        (139,000) 8.a
 b. ###                                                                                          4522              N/A 8.b

                                                                                                            I498    I499 <-
9. Other explanations (the space below is provided for bank to briefly describe, at its option, any
                                                of Income):
   other significant items affecting the ReportRIAD
                                                           X
   X = NO COMMENT - Y = COMMENT ______________________________________________________________________________________________________
                                               4769
   Other explanations (please type or print clearly):
             TEXT 4769 ( 70 characters per line )
Bank of America, N.A.                                 Call Date:        12/31/2000     State #:     37-0355     FFIEC 031
100 N. Tryon Street                                  Vendor ID:         D               Cert #:     03510           RC-1
Charlotte, NC 28255                                   Transit #:        53000196
                                                                                                                      11

Consolidated Report of Condition for Insured Commercial
and State-Chartered Savings Banks for December 31, 2000
All schedules are to be reported in thousands of dollars. Unless otherwise indicated,
report the amount outstanding as of the last business day of the quarter.

Schedule RC - Balance Sheet
                                                                                                                C400 <-
                                                                                        Dollar Amounts in Thousands
ASSETS
 1. Cash and balances due from depository institutions (from Schedule RC-A):                           RCFD
                                                                                                             28,220,000 1.a
    a. Noninterest-bearing balances and currency and coin (1)______________________________________________________________________________________
                                                                                                       0081
                                                                                                              2,394,000 1.b
    b. Interest-bearing balances (2)___________________________________________________________________________________________________________
                                                                                                       0071
 2. Securities:
                                                                                                              1,139,000 2.a
    a. Held-to-maturity securities (from Schedule RC-B, column A) __________________________________________________________________________________
                                                                                                       1754
                                                                                                             62,623,000 2.b
    b. Available-for-sale securities (from Schedule RC-B, column D) _________________________________________________________________________________
                                                                                                       1773
                                                                                                             16,446,000 3
 3. Federal funds sold and securities purchased under agreements to resell _________________________________________________________
                                                                                                       1350
 4. Loans and lease financing receivables:                                          RCFD
                                                                                    2122 380,009,000                    4.a
    a. Loans and leases, net of unearned income (from Schedule RC-C)______________________________________________________________________________
                                                                                             6,460,000                  4.b
    b. LESS: Allowance for loan and lease losses________________________________________________________________________________________________
                                                                                    3123
                                                                                                43,000                  4.c
    c. LESS: Allocated transfer risk reserve_____________________________________________________________________________________________________
                                                                                    3128
    d. Loans and leases, net of unearned income,                                                       RCFD
                                                                                                       2125 373,506,000 4.d
       allowance, and reserve (item 4.a minus 4.b and 4.c)_________________________________________________________________________________________
                                                                                                             40,953,000 5.
 5. Trading assets (from Schedule RC-D)______________________________________________________________________________________________________
                                                                                                       3545
                                                                                                              6,183,000 6.
 6. Premises and fixed assets (including capitalized leases)________________________________________________________________________________________
                                                                                                       2145
                                                                                                                289,000 7.
 7. Other real estate owned (from Schedule RC-M)_______________________________________________________________________________________________
                                                                                                       2150
                                                                                                                682,000 8.
 8. Investments in unconsolidated subsidiaries and associated companies (from Schedule RC-M)__________________________________________________________
                                                                                                       2130
                                                                                                              1,969,000 9.
 9. Customers' liability to this bank on acceptances outstanding_____________________________________________________________________________________
                                                                                                       2155
                                                                                                             14,909,000 10.
10. Intangible assets (from Schedule RC-M)____________________________________________________________________________________________________
                                                                                                       2143
                                                                                                             34,971,000 11.
11. Other assets (from Schedule RC-F)________________________________________________________________________________________________________
                                                                                                       2160
                                                                                                       2170 584,284,000 12
12. Total assets (sum of items 1 through 11)____________________________________________________________________________________________________

(1) Includes cash items in process of collection and unposted debits.
(2) Includes time certificates of deposit not held for trading.
Bank of America, N.A.                                Call Date:       12/31/2000                 State #:       37-0355        FFIEC 031
100 N. Tryon Street                                 Vendor ID:        D                           Cert #:       03510              RC-2
Charlotte, NC 28255                                  Transit #:       53000196
                                                                                                                                    12

Schedule RC - Continued
                                                                                                  Dollar Amounts in Thousands
LIABILITIES
13. Deposits:
    a. In domestic offices (sum of totals of columns A and C from Schedule RC-E,                       RCON
                                                                                                        2200 311,153,000 13.a
       part I)_____________________________________________________________________________________________________________________________
                                                                                     RCON
                                                                                      6631 100,557,000                   13.a.1
       (1) Noninterest-bearing (1)_____________________________________________________________________________________________________________
                                                                                      6636 210,596,000                   13.a.2
       (2) Interest-bearing___________________________________________________________________________________________________________________
    b. In foreign offices, Edge and Agreement subsidiaries, and IBFs (from Schedule RC-E,              RCFN
                                                                                                              74,631,000 13.b
       part II)_____________________________________________________________________________________________________________________________
                                                                                     RCFN               2200
                                                                                             2,990,000                   13.b1
       (1) Noninterest-bearing________________________________________________________________________________________________________________
                                                                                      6631
                                                                                            71,641,000 RCFD              13.b2
       (2) Interest-bearing___________________________________________________________________________________________________________________
                                                                                      6636
                                                                                                              35,807,000 14
14. Federal funds purchased and securities sold under agreements to repurchase _____________________________________________________
                                                                                                        2800
                                                                                                            RCON
                                                                                                        992,000 15.a
15. a. Demand notes issued to the U.S. Treasury________________________________________________________________________________________________
                                                                                               2840
                                                                                                            RCFD
                                                                                                              38,918,000 15.b
    b. Trading liabilities (from Schedule RC-D) __________________________________________________________________________________________________
                                                                                                       3548
16. Other borrowed money (includes mortgage indebtedness and
    obligations under capitalized leases):
                                                                                                              33,165,000 16.a
     a. With a remaining maturity of one year or less ______________________________________________________________________________________________
                                                                                                       2332
                                                                                                               6,021,000 16.b
     b. With a remaining maturity of more than one year through three years ________________________________________________________
                                                                                                       A547
                                                                                                               2,251,000 16.c
     c. With a remaining maturity of more than three years ___________________________________________________________________________
                                                                                                       A548
17. Not applicable
                                                                                                               1,970,000 18
18. Bank's liability on acceptances executed and outstanding_______________________________________________________________________________________
                                                                                                       2920
                                                                                                              10,328,000 19
19. Subordinated notes and debentures(2) ___________________________________________________________________________________________________
                                                                                                       3200
                                                                                                              19,718,000 20
20. Other liabilities (from Schedule RC-G)______________________________________________________________________________________________________
                                                                                                       2930
                                                                                                       2948 534,954,000 21
21. Total liabilities (sum of items 13 through 20)_________________________________________________________________________________________________
22. Not applicable
EQUITY CAPITAL
                                                                                                                         0 23
23. Perpetual preferred stock and related surplus________________________________________________________________________________________________
                                                                                                          3838
                                                                                                                 2,833,000 24
24. Common stock________________________________________________________________________________________________________________________
                                                                                                          3230
                                                                                                                32,251,000 25
25. Surplus (exclude all surplus related to preferred stock)_________________________________________________________________________________________
                                                                                                          3839
                                                                                                                14,959,000 26.a
26. a. Undivided profits and capital reserves____________________________________________________________________________________________________
                                                                                                          3632
                                                                                                                  (535,000) 26.b
    b. Net unrealized holding gains (losses) on available-for-sale securities ____________________________________________________________________________
                                                                                                          8434
                                                                                                                         0 26.c
    c. Accumulated net gains (losses) on cash flow hedges _________________________________________________________________
                                                                                                          4336
                                                                                                                  (178,000) 27
27. Cumulative foreign currency translation adjustments___________________________________________________________________________________________
                                                                                                          3284
                                                                                                                49,330,000 28
28. Total equity capital (sum of items 23 through 27) __________________________________________________________________________
                                                                                                          3210
                                                                                                          3300 584,284,000 29
29. Total liabilities and equity capital (sum of items 21 and 28) _________________________________________________________________
Memorandum
 To be reported only with the March Report of Condition.
 1. Indicate in the box at the right the number of the statement below that best describes the
    most comprehensive level of auditing work performed for the bank by independent external   RCFD   Number
                                                                                                             N/A M. 1
    auditors as of any date during 1999 __________________________________________________________________________________
                                                                                               6724


1 = Independent audit of the bank conducted in accordance       4 = Directors' examination of the bank performed by other
    with generally accepted auditing standards by a certified      external auditors (may be required by state chartering
    public accounting firm which submits a report on the bank        authority)
2 = Independent audit of the bank's parent holding company       5 = Review of the bank's financial statements by external
    conducted in accordance with generally accepted auditing        auditors
    standards by a certified public accounting firm which       6 = Compilation of the bank's financial statements by
    submits a report on the consolidated holding company (but        external auditors
    not on the bank separately)                                  7 = Other audit procedures (excluding tax preparation work)
3 = Directors' examination of the bank conducted in accordance 8 = No external audit work
    with generally accepted auditing standards by a certified
    public accounting firm (may be required by state chartering
    authority)

(1) Includes total demand deposits and noninterest-bearing time and savings deposits.
(2) Includes limited-life preferred stock and related surplus.
Bank of America, N.A.                                 Call Date:       12/31/2000                    State #:      37-0355     FFIEC 031
100 N. Tryon Street                                  Vendor ID:        D                              Cert #:      03510           RC-3
Charlotte, NC 28255                                   Transit #:       53000196
                                                                                                                                      13

Schedule RC-A - Cash and Balances Due From Depository Institutions
Exclude assets held for trading.
                                                                                                                               C405 <-
                                                                                                  Dollar Amounts in Thousands
                                                                                         ----(Column A)----    ----(Column B)----
                                                                                            Consolidated            Domestic
1. Cash items in process of collection, unposted debits, and currency and           RCFD        Bank                 Offices
                                                                                              25,556,000 RCON                     1
   coin_______________________________________________________________________________________________________________________________
                                                                                     0022
                                                                                                                    19,735,000 1.a
   a. Cash items in process of collection and unposted debits______________________________________________________________________________________
                                                                                                           0020
                                                                                                                     5,624,000 1.b
   b. Currency and coin____________________________________________________________________________________________________________________
                                                                                                           0080
                                                                                                                     1,622,000 2
2. Balance due from depository institutions in the U.S.____________________________________________________________________________________________
                                                                                                           0082
                                                                                                  36,000                          2.a
   a. U.S. branches and agencies of foreign banks (including their IBFs)______________________________________________________________________________
                                                                                     0083
   b. Other commercial banks in the U.S. and other depository institutions
                                                                                               1,951,000                          2.b
      in the U.S. (including their IBFs)_________________________________________________________________________________________________________
                                                                                     0085
                                                                                                                         62,000 3
3. Balances due from banks in foreign countries and foreign central banks____________________________________________________________________________
                                                                                                           0070
                                                                                                 602,000                          3.a
   a. Foreign branches of other U.S. banks_____________________________________________________________________________________________________
                                                                                     0073
                                                                                               1,779,000                          3.b
   b. Other banks in foreign countries and foreign central banks_____________________________________________________________________________________
                                                                                     0074
                                                                                                 690,000 0090          690,000 4
4. Balances due from Federal Reserve Banks___________________________________________________________________________________________________
                                                                                     0090
5. Total (sum of items 1 through 4) (total of column A must equal
                                                                                              30,614,000 0010       27,733,000 5
   Schedule RC, sum of items 1.a and 1.b)_____________________________________________________________________________________________________
                                                                                     0010

Memorandum
                                                                                           Dollar Amounts in Thousands
1. Noninterest-bearing balances due from commercial banks in the U.S. (included in item 2,         RCON
                                                                                                               305,000 M.1
   column B above)_______________________________________________________________________________________________________________________
                                                                                                    0050

Schedule RC-B - Securities
Exclude assets held for trading.
                                                                                                                               C410 <-
                                                                                                       Dollar Amounts in Thousands
                                                     ---------Held-to-maturity-------             -------Available-for-sale-------
                                                   (Column A)            (Column B)             (Column C)             (Column D)
                                                  Amortized Cost          Fair Value           Amortized Cost         Fair Value(1)
                                           RCFD                    RCFD                 RCFD                    RCFD
                                                          0 0213           0 1286   14,628,000 1287  14,171,000 1
1. U.S. Treasury securities_________________________________________________________________________________________________________________
                                          0211
2. U.S. Government agency obligations
   (exclude mortgage-backed securities):
                                                      1,000 1290       1,000 1291        2,000 1293       2,000 2.a
   a. Issued by U.S. Government agencies (2)__________________________________________________________________________________________________
                                          1289
   b. Issued by U.S. Government-sponsored
                                                          0 1295           0 1297    2,259,000 1298   2,231,000 2.b
      agencies (3)_________________________________________________________________________________________________________________________
                                          1294


(1) Includes equity securities without readily determinable fair values at historical cost in item 6.b, column D.
(2) Includes Small Business Administration 'Guaranteed Loan Pool Certificates,' U.S. Maritime Administration obligations, and
   Export - Import Bank participation certificates.
(3) Includes obligations (other than mortgage-backed securities) issued by the Farm Credit System, the Federal Home Loan Bank
  System, The Federal Home Loan Mortgage Corporation, the Federal National Mortgage Association, the Financing Corporation,
  Resolution Funding Corporation, the Student Loan Marketing Association, and the Tennessee Valley Authority.
Bank of America, N.A.                                    Call Date:       12/31/2000                    State #:     37-0355     FFIEC 031
100 N. Tryon Street                                     Vendor ID:        D                              Cert #:     03510           RC-4
Charlotte, NC 28255                                      Transit #:       53000196
                                                                                                                                        14

Schedule RC-B - Continued
                                                                                                         Dollar Amounts in Thousands
                                                       ---------Held-to-maturity-------             -------Available-for-sale-------
                                                     (Column A)            (Column B)             (Column C)             (Column D)
3. Securities issued by states and political        Amortized Cost          Fair Value           Amortized Cost         Fair Value(1)
   subdivisions in the U.S.:                  RCFD              RCFD             RCFD              RCFD
                                                        112,000 1677     113,000 1678    1,143,000 1679   1,164,000 3.a
   a. General obligations___________________________________________________________________________________________________________________
                                              1676
                                                        159,000 1686     167,000 1690      398,000 1691     412,000 3.b
   b. Revenue obligations__________________________________________________________________________________________________________________
                                              1681
   c. Industrial development
                                                          1,000 1695       1,000 1696            0 1697           0 3.c
      and similar obligations_________________________________________________________________________________________________________________
                                              1694
4. Mortgage-backed securities (MBS):
   a. Pass-through securities:
                                                              0 1699           0 1701      136,000 1702     137,000 4.a.1
       (1) Guaranteed by GNMA______________________________________________________________________________________________________________
                                              1698
                                                              0 1705           0 1706   27,305,000 1707  26,959,000 4.a.2
       (2) Issued by FNMA and FHLMC________________________________________________________________________________________________________
                                              1703
                                                              0 1710           0 1711            0 1713           0 4.a.3
       (3) Other pass-through securities________________________________________________________________________________________________________
                                              1709
    b. Other mortgage-backed securities (include
       (CMOs, REMICs and stripped MBS):
       (1) Issued or guaranteed by FNMA,      RCFD              RCFD             RCFD              RCFD
                                                         65,000 1715      66,000 1716    7,183,000 1717   7,106,000 4.b.1
          FHLMC, or GNMA__________________________________________________________________________________________________________________
                                              1714
       (2) Collateralized by MBS issued or guaranteed
                                                              0 1719           0 1731            0 1732           0 4.b.2
           by FNMA, FHLMC, or GNMA ________________________________________________________________________________________________________
                                              1718
                                                              0 1734           0 1735    2,982,000 1736   2,984,000 4.b.3
       (3) All other mortgage-backed securities___________________________________________________________________________________________________
                                              1733
5. Other debt securities:
                                                          1,000 1738       1,000 1739      561,000 1741     536,000 5.a
   a. Other domestic debt securities__________________________________________________________________________________________________________
                                              1737
                                                        800,000 1743     800,000 1744    3,906,000 1746   3,890,000 5.b
   b. Foreign debt securities_________________________________________________ _______________________________________________________________
                                              1742
6. Equity securities:
   a. Investments in mutual funds and
       other equity securities with                                              RCFD              RCFD
                                                                                         1,979,000 A511   1,979,000 6.a
       readily determinable fair values ___________________________________________________________________________________________
                                                                                  A510
                                                                                         1,052,000 1753   1,052,000 6.b
   b. All other equity securities(1) _____________________________________________________________________________________________
                                                                                 1752
7. Total (sum of items 1 through 6) (total of
   Column A must equal Schedule RC item 2.a)
   (total of column D must equal Schedule RC, RCFD              RCFD             RCFD              RCFD
                                                      1,139,000 1771   1,149,000 1772   63,534,000 1773  62,623,000 7
   item 2.b)______________________________________________________________________________________________________________________________
                                              1754


(1) Includes equity securities without readily determinable fair values at historical cost in item 6.b, column D.
Bank of America, N.A.                                 Call Date:       12/31/2000                   State #:      37-0355      FFIEC 031
100 N. Tryon Street                                  Vendor ID:        D                             Cert #:      03510            RC-5
Charlotte, NC 28255                                   Transit #:       53000196
                                                                                                                                    15

Schedule RC-B - Continued
                                                                                                                               C412 <-
Memoranda                                                                                           Dollar Amounts in Thousands
                                                                                                               RCFD
                                                                                                            29,638,000 M.1
1. Pledged securities(2)____________________________________________________________________________________________________________________
                                                                                                     0416
2. Maturity and repricing data for debt securities (1,2)(excluding those in nonaccrual status):
   a. Securities issued by the U.S. Treasury, U.S. Government agencies, and states
       and political subdivisions in the U.S.; other non-mortgage debt securities; and
       mortgage pass-through securities other than those backed by closed-end
       first lien 1-4 family residential mortgages with a remaining maturity or repricing
       frequency of: (3,4)                                                                          RCFD
                                                                                                             1,104,000 M.2.a1
      (1) Three months or less___________________________________________________________________________________________________
                                                                                                    A549
                                                                                                             1,192,000 M.2.a2
      (2) Over three months through 12 months____________________________________________________________________________________
                                                                                                    A550
                                                                                                             8,858,000 M.2.a3
      (3) Over one year through three years_______________________________________________________________________________________
                                                                                                    A551
                                                                                                             1,646,000 M.2.a4
      (4) Over three years through five years ______________________________________________________________________________________
                                                                                                    A552
                                                                                                             9,450,000 M.2.a5
      (5) Over five years through 15 years ____________________________________________________________________________________
                                                                                                    A553
                                                                                                             1,230,000 M.2.a6
      (6) Over 15 years ________________________________________________________________________________________________________
                                                                                                    A554
   b. Mortgage pass-through securities backed by closed-end first lien 1-4 family
       residential mortgages with a remaining maturity or repricing frequency of: (3,5)
                                                                                                                76,000 M.2.b1
      (1) Three months or less___________________________________________________________________________________________________
                                                                                                    A555
                                                                                                                22,000 M.2.b2
      (2) Over three months through 12 months____________________________________________________________________________________
                                                                                                    A556
                                                                                                               352,000 M.2.b3
      (3) Over one year through three years_______________________________________________________________________________________
                                                                                                    A557
                                                                                                             1,002,000 M.2.b4
      (4) Over three years through five years ______________________________________________________________________________________
                                                                                                    A558
                                                                                                            14,794,000 M.2.b5
      (5) Over five years through 15 years ____________________________________________________________________________________
                                                                                                    A559
                                                                                                            10,850,000 M.2.b6
      (6) Over 15 years ________________________________________________________________________________________________________
                                                                                                    A560
   c. Other mortgage-backed securities (include CMOs, REMICs, and stripped MBS;
       exclude mortgage pass-through securities) with an expected average life of: (6)
                                                                                                             2,703,000 M.2.c1
       (1) Three years or less __________________________________________________________________________________________________
                                                                                                    A561
                                                                                                             7,452,000 M.2.c2
       (2) Over three years __________________________________________________________________________________________________
                                                                                                    A562
   d. Debt securities with a REMAINING MATURITY of one
                                                                                                             2,394,000 M.2.d
      year or less (included in Memorandum items 2.a through 2.c above) _______________________________________________________
                                                                                                    A248
3. - 6. Not applicable
7. Amortized cost of held-to-maturity securities sold or transferred to available-for-sale or
   trading securities during the calendar year-to-date (report the amortized cost at date
                                                                                                                     0 M.7
   of sale or transfer)______________________________________________________________________________________________________________________
                                                                                                     1778
8. Not applicable
9. Structured notes (included in the held-to-maturity and available-for-sale accounts in
   Schedule RC-B, items 2, 3, and 5):
                                                                                                                     0 M.9.a
   a. Amortized cost_______________________________________________________________________________________________________________________
                                                                                                     8782
                                                                                                                     0 M.9.b
   b. Fair value___________________________________________________________________________________________________________________________
                                                                                                     8783


 (1) Includes held-to-maturity securities at amortized cost and available-for-sale securities at fair value.
 (2) Exclude equity securities, e.g., investments in mutual funds, Federal Reserve stock, common stock, and preferred stock.
 (3) Report fixed rate debt securities by remaining maturity and floating rate debt
      securities by repricing frequency.
 (4) Sum of Memorandum items 2.a.(1) through 2.a.(6) plus any nonaccrual debt securities in the categories
      of debt securities reported in Memorandum item 2.a that are included in Schedule RC-N, item 9,
      column C, must equal Schedule RC-B, sum of items 1, 2, 3 and 5, columns A and D, plus mortgage
      pass-through securities other than those backed by closed-end first lien 1-4 family residential
      mortgages included in Schedule RC-B, item 4.a, columns A and D.
(5) Sum of Memorandum items 2.b.(1) through 2.b.(6) plus any nonaccrual mortgage pass-through
      securities backed by closed-end first lien 1-4 family residential mortgages included in Schedule
      RC-N, item 9, column C, must equal Schedule RC-B, item 4.a, sum of columns A and D, less the
      amount of mortgage pass-through securities other than those backed by closed-end first
      lien 1-4 family residential mortgages included in Schedule RC-B, item 4.a, columns A and D.
(6) Sum of Memorandum items 2.c.(1) and 2.c.(2) plus any nonaccrual "Other mortgage-backed
      securities" included in Schedule RC-N, item 9, column C, must equal Schedule RC-B, item 4.b,
      sum of columns A and D.
Bank of America, N.A.                           Call Date:     12/31/2000               State #:     37-0355     FFIEC 031
100 N. Tryon Street                            Vendor ID:      D                         Cert #:     03510           RC-6
Charlotte, NC 28255                             Transit #:     53000196
                                                                                                                      16

Schedule RC-C - Loans and Lease Financing Receivables
Part I. Loans and Leases

 Do not deduct the allowance for loan and lease losses from amounts
 reported in this schedule. Report total loans and leases, net of unearned
 income. Exclude assets held for trading and commercial paper.                                                   C415 <-
                                                                                                    Dollar Amounts in Thousands
                                                                                           ----(Column A)----    ----(Column B)----
                                                                                               Consolidated           Domestic
                                                                                      RCFD        Bank                 Offices
                                                                                       1410 171,736,000 RCON                        1
 1. Loans secured by real estate_____________________________________________________________________________________________________________
                                                                                                                      12,342,000 1.a
    a. Construction and land development______________________________________________________________________________________________________
                                                                                                             1415
    b. Secured by farmland (including farm residential and other
                                                                                                                       1,116,000 1.b
       improvements)______________________________________________________________________________________________________________________
                                                                                                             1420
    c. Secured by 1-4 family residential properties:
       (1) Revolving, open-end loans secured by 1-4 family residential
                                                                                                                      21,601,000 1.c.1
           properties and extended under lines of credit____________________________________________________________________________________________
                                                                                                             1797
       (2) All other loans secured by 1-4 family residential properties:
                                                                                                                      98,455,000 1.c.2a
            (a) Secured by first liens____________________________________________________________________________________________________________
                                                                                                             5367
                                                                                                                       4,428,000 1.c.2b
            (b) Secured by junior liens__________________________________________________________________________________________________________
                                                                                                             5368
                                                                                                                       4,250,000 1.d
    d. Secured by multifamily (5 or more) residential properties______________________________________________________________________________________
                                                                                                             1460
                                                                                                                      26,859,000 1.e
    e. Secured by nonfarm nonresidential properties______________________________________________________________________________________________
                                                                                                             1480
 2. Loans to depository institutions:
                                                                                                                      11,735,000 2.a
    a. To commercial banks in the U.S.________________________________________________________________________________________________________
                                                                                                             1505
                                                                                                      9,000                         2.a1
       (1) To U.S. branches and agencies of foreign banks_________________________________________________________________________________________
                                                                                       1506
                                                                                                11,804,000                          2.a2
       (2) To other commercial banks in the U.S._________________________________________________________________________________________________
                                                                                       1507
                                                                                                   590,000 1517          590,000 2.b
    b. To other depository institutions in the U.S._________________________________________________________________________________________________
                                                                                       1517
                                                                                                                       1,161,000 2.c
    c. To banks in foreign countries___________________________________________________________________________________________________________
                                                                                                             1510
                                                                                                    54,000                          2.c1
       (1) To foreign branches of other U.S. banks________________________________________________________________________________________________
                                                                                       1513
                                                                                                 2,697,000                          2.c2
       (2) To other banks in foreign countries____________________________________________________________________________________________________
                                                                                       1516
                                                                                                 2,184,000 1590        2,046,000 3.
 3. Loans to finance agricultural production and other loans to farmers________________________________________________________________________________
                                                                                       1590
 4. Commercial and industrial loans:
                                                                                       1763 103,474,000 1763 101,180,000 4.a
    a. To U.S. addressees (domicile)__________________________________________________________________________________________________________
                                                                                                21,938,000 1764        1,192,000 4.b
    b. To non-U.S. addressees (domicile)______________________________________________________________________________________________________
                                                                                       1764
 5. Acceptances of other banks:
                                                                                                          0 1756                0 5.a
    a. Of U.S. banks_______________________________________________________________________________________________________________________
                                                                                       1756
                                                                                                   342,000 1757          323,000 5.b
    b. Of foreign banks_____________________________________________________________________________________________________________________
                                                                                       1757
 6. Loans to individuals for household, family, and other personal
                                                                                                                      30,281,000 6
   expenditures (i.e., consumer loans) (includes purchased paper)___________________________________________________________________________________
                                                                                                             1975
    a. Credit cards and related plans (includes check credit and other
                                                                                                 1,645,000                          6.a
       revolving credit plans)_________________________________________________________________________________________________________________
                                                                                       2008
                                                                                                28,981,000                          6.b
    b. Other (includes single payment, installment, and all student loans)______________________________________________________________________________
                                                                                       2011
 7. Loans to foreign government and official institutions (including
                                                                                                   474,000 2081            66,000 7
    foreign central banks)___________________________________________________________________________________________________________________
                                                                                       2081


 8. Obligations (other than securities and leases) of states and political
                                                                                             3,272,000 2107   3,272,000 8
    subdivisions in the U.S. ___________________________________________________________________________________________________
                                                                                     2107
                                                                                             9,740,000                  9
 9. Other loans___________________________________________________________________________________________________________________________
                                                                                     1563
                                                                                                              1,471,000 9.a
    a. Loans for purchasing or carrying securities (secured and unsecured)____________________________________________________________________________
                                                                                                       1545
                                                                                                              5,357,000 9.b
    b. All other loans (exclude consumer loans)__________________________________________________________________________________________________
                                                                                                       1564
                                                                                                             20,981,000 10
10. Lease financing receivables (net of unearned income)_________________________________________________________________________________________
                                                                                                       2165
                                                                                            17,777,000                  10.a
    a. Of U.S. addressees (domicile)__________________________________________________________________________________________________________
                                                                                     2182
                                                                                             3,292,000                  10.b
    b. Of non-U.S. addressees (domicile)_______________________________________________________________________________________________________
                                                                                     2183
                                                                                                     0 2123           0 11.
11. LESS: Any unearned income on loans reflected in items 1-9 above_______________________________________________________________________________
                                                                                     2123
12. Total loans and leases, net of unearned income (sum of items 1
     through 10 minus item 11) (total of column A must equal
                                                                                     2122 380,009,000 2122 348,706,000 12
    Schedule RC, item 4.a)__________________________________________________________________________________________________________________
Bank of America, N.A.                                 Call Date:       12/31/2000                  State #:    37-0355   FFIEC 031
100 N. Tryon Street                                  Vendor ID:        D                            Cert #:    03510         RC-7
Charlotte, NC 28255                                   Transit #:       53000196
                                                                                                                              17

Schedule RC-C - Continued
Part I. Continued

Memoranda                                                                                        Dollar Amounts in Thousands
1. Not applicable
2. Loans and Leases restructured and in compliance with modified terms
   (included in Schedule RC-C, part I, above and not reported as past due
   or nonaccrual in Schedule RC-N, Memorandum item 1):
   a. Loans secured by real estate:                                                                      RCFD
                                                                                                                     388,000 M.2.a.1
       (1) To U.S. addressees (domicile) _________________________________________________________________________________________
                                                                                                          1687
                                                                                                                           0 M.2.a.2
       (2) To non-U.S. addressees (domicile)____________________________________________________________________________________________________
                                                                                                          1689
   b. All other loans and lease financing receivables (exclude loans to
                                                                                                                           0 M.2.b
       individuals for household, family, and other personal expenditures)______________________________________________________________________________
                                                                                                          8691
   c. Commercial and industrial loans to and lease financing receivables
       of non-U.S. addressees (domicile) included in Memorandum item 2.b
                                                                                                                           0 M.2.c
       above_____________________________________________________________________________________________________________________________
                                                                                                          8692
3. Maturity and repricing data for loans and leases (excluding those in nonaccrual status):
   a. Closed-end loans secured by first liens on 1-4 family residential properties in domestic
        offices (reported in Schedule RC-C, part I, item 1.c.(2)(a), column B)
        with a remaining maturity or repricing frequency of: (1, 2)                                      RCON
                                                                                                                   2,282,000 M.3.a1
       (1) Three months or less _______________________________________________________________________________________________
                                                                                                         A564
                                                                                                                  11,716,000 M.3.a2
       (2) Over three months through 12 months____________________________________________________________________________________
                                                                                                         A565
                                                                                                                   6,577,000 M.3.a3
       (3) Over one year through three years_______________________________________________________________________________________
                                                                                                         A566
                                                                                                                  18,773,000 M.3.a4
       (4) Over three years through five years ______________________________________________________________________________________
                                                                                                         A567
                                                                                                                  35,009,000 M.3.a5
       (5) Over five years through 15 years ____________________________________________________________________________________
                                                                                                         A568
                                                                                                                  22,521,000 M.3.a6
       (6) Over 15 years ________________________________________________________________________________________________________
                                                                                                         A569
   b. All loans and leases (reported in Schedule RC-C, part I, items 1 through 10, column A)
       EXCLUDING closed-end loans secured by first liens on 1-4 family residential properties
      in domestic offices (reported in Schedule RC-C, part I item 1.c.(2)(a), column B) with a
      remaining maturity or repricing frequency of: (1,3)                                                RCFD
                                                                                                         A570 114,297,000 M.3.b1
       (1) Three months or less ________________________________________________________________________________________________
                                                                                                                  51,107,000 M.3.b2
       (2) Over three months through 12 months____________________________________________________________________________________
                                                                                                         A571
                                                                                                                  39,834,000 M.3.b3
       (3) Over one year through three years_______________________________________________________________________________________
                                                                                                         A572
                                                                                                                  28,305,000 M.3.b4
       (4) Over three years through five years ______________________________________________________________________________________
                                                                                                         A573
                                                                                                                  35,551,000 M.3.b5
       (5) Over five years through 15 years ____________________________________________________________________________________
                                                                                                         A574
                                                                                                                   8,722,000 M.3.b6
       (6) Over 15 years ________________________________________________________________________________________________________
                                                                                                         A575
   c. Loans and leases (reported in Schedule RC-C, part I, items 1
                                                                                                                  95,250,000 M.3.c
        through 10, column A) with a REMAINING MATURITY of one year or less __________________________________________________
                                                                                                         A247
   d. Loans secured by nonfarm nonresidential properties in
       domestic offices (reported in Schedule RC-C, part I, item 1.e, column B) with a                   RCON
                                                                                                                  14,915,000 M.3.d
      REMAINING MATURITY of over five years _________________________________________________________________________________
                                                                                                         A577
   e. Commercial and industrial loans (reported in Schedule RC-C                                         RCFD
                                                                                                                  31,743,000 M.3.e
        part I, Item 4, column A) with a REMAINING MATURITY of over three years _________________________________________________
                                                                                                         A578


(1) Report fixed rate loans and leases by remaining maturity and floating rate loans by repricing frequency.
(2) Sum of Memorandum items 3.a.(1) through 3.a.(6) plus total nonaccrual closed-end loans
    secured by first liens on 1-4 family residential properties included in Schedule RC-N,
    Memorandum item 3.c.(2), column C, must equal total closed-end loans secured by first
    liens on 1-4 family residential properties from Schedule RC-C, part I, item 1.c.(2)(a), column B.
(3) Sum of Memorandum items 3.b.(1) through 3.b.(6) plus total nonaccrual loans and leases from Schedule
    RC-N, sum of items 1 through 8, column C, minus nonaccrual closed-end loans secured by first
    liens on 1-4 family residential properties in domestic offices included in Schedule RC-N, Memorandum
    item 3.c.(2), column C, must equal total loans and leases from Schedule RC-C, Part I, sum or items
    1 through 10, column A, minus total closed-end loans secured by first liens on 1-4 family
    residential properties in domestic offices from Schedule RC-C, part I, item 1.c.(2)(a), column B.
Bank of America, N.A.                                 Call Date:       12/31/2000                  State #:      37-0355    FFIEC 031
100 N. Tryon Street                                  Vendor ID:        D                            Cert #:      03510          RC-8
Charlotte, NC 28255                                   Transit #:       53000196
                                                                                                                                  18
Schedule RC-C - Continued
Part I. Continued

Memoranda                                                                                           Dollar Amounts in Thousands

4. Loans to finance commercial real estate, construction, and land
   development activities (not secured by real estate) included in                                    RCFD
                                                                                                               4,398,000 M.4
   Schedule RC-C, part I, items 4 and 9, column A, page RC-6 (1) ____________________________________________________________________
                                                                                                       2746
                                                                                                               4,438,000 M.5
5. Loans and leases held for sale (included in Schedule RC-C, part I, page RC-6) ______________________________________________________
                                                                                                       5369
6. Adjustable rate closed-end loans secured by first liens on 1-4 family
   residential properties in domestic offices (included in Schedule RC-C,                             RCON
                                                                                                              12,955,000 M.6
   part I, item 1.c.(2)(a), column B, page RC-6) ____________________________________________________________________________________
                                                                                                       5370


(1) Exclude loans secured by real estate that are included in Schedule RC-C, part I, item1, column A.

Schedule RC-D - Trading Assets and Liabilities
Schedule RC-D is to be completed by banks with $1 billion or more in total assets or with $2 billion or more
in par/notional amount of off-balance sheet derivative contracts (as reported in Schedule RC-L, items 14.a
through 14.e, columns A through D).
                                                                                                                            C420 <-
                                                                                                    Dollar Amounts in Thousands
ASSETS                                                                                                        RCON
                                                                                                                    2,432,000 1
 1. U.S. Treasury securities in domestic offices_________________________________________________________________________________________________
                                                                                                            3531
 2. U.S. Government agency obligations in domestic offices (exclude mortgage-
                                                                                                                    1,625,000 2
    backed securities)_____________________________________________________________________________________________________________________
                                                                                                            3532
                                                                                                                      210,000 3
 3. Securities issued by states and political subdivisions in the U.S. in domestic offices__________________________________________________________________
                                                                                                            3533
 4. Mortgage-backed securities (MBS) in domestic offices:
                                                                                                                            0 4.a
    a. Pass-through securities issued or guaranteed by FNMA, FHLMC, or GNMA______________________________________________________________________
                                                                                                            3534
    b. Other mortgage-backed securities issued or guaranteed by FNMA, FHLMC, or GNMA
                                                                                                                            0 4.b
       (include CMOs, REMICs, and stripped MBS)______________________________________________________________________________________________
                                                                                                            3535
                                                                                                                            0 4.c
    c. All other mortgage-backed securities_____________________________________________________________________________________________________
                                                                                                            3536
                                                                                                                   10,653,000 5
 5. Other debt securities in domestic offices____________________________________________________________________________________________________
                                                                                                            3537
 6. - 8. Not applicable
                                                                                                                    3,584,000 9
 9. Other trading assets in domestic offices____________________________________________________________________________________________________
                                                                                                            3541
                                                                                                              RCFN
                                                                                                       6,243,000 10
10. Trading assets in foreign offices__________________________________________________________________________________________________________
                                                                                               3542
11. Revaluation gains on interest rate, foreign exchange rate, and other commodity and equity
    contracts:                                                                                RCON
                                                                                                      12,697,000 11.a
    a. In domestic offices___________________________________________________________________________________________________________________
                                                                                               3543
                                                                                                              RCFN
                                                                                                    3,509,000 11.b
   b. In foreign offices____________________________________________________________________________________________________________________
                                                                                            3543
                                                                                                              RCFD
                                                                                                              40,953,000 12
12. Total trading assets (sum of items 1 through 11) (must equal Schedule RC, item 5)__________________________________________________________________
                                                                                                       3545

LIABILITIES                                                                                                   RCFD
                                                                                                                 16,665,000 13
13. Liability for short positions_______________________________________________________________________________________________________________
                                                                                                          3546
14. Revaluation losses on interest rate, foreign exchange rate, and other commodity and equity            RCFD
                                                                                                                 22,253,000 14
    contracts____________________________________________________________________________________________________________________________
                                                                                                          3547
                                                                                                                 38,918,000 15
15. Total trading liabilities (sum of items 13 and 14) (must equal Schedule RC, item 15.b)________________________________________________________________
                                                                                                          3548
Bank of America, N.A.                            Call Date:      12/31/2000                  State #:       37-0355     FFIEC 031
100 N. Tryon Street                             Vendor ID:       D                            Cert #:       03510           RC-9
Charlotte, NC 28255                              Transit #:      53000196
                                                                                                                               19

Schedule RC-E - Deposit Liabilities
Part I. Deposits in Domestic Offices
                                                                                                                        C425 <-
                                                                                              Dollar         in Thousands
                                                                     -------Transaction Accounts-----Amounts-Nontransaction-
                                                                                                                 Accounts
                                                                    (Column A)            (Column B)           (Column C)
                                                                        Total             Memo: Total              Total
                                                                    Transaction             Demand           nontransaction
                                Dollar Amounts in Thousands          accounts               Deposits             Accounts
                                                                  (including total        (included in          (including
                                                                 demand deposits)          column A)             MMDAs)
Deposits of:                                                  RCON               RCON                   RCON
                                                                       56,202,000 2240  51,258,000 2346 232,556,000 1
1. Individuals, partnerships and corporations___________________________________________________________________________________________________
                                                                2201
                                                                          486,000 2280     485,000 2520   3,227,000 2
2. U.S. Government_______________________________________________________________________________________________________________________
                                                                2202
                                                                        4,183,000 2290   3,772,000 2530   5,615,000 3
3. States and political subdivisions in the U.S.__________________________________________________________________________________________________
                                                                2203
                                                                        4,045,000 2310   4,045,000 2550     183,000 4
4. Commercial banks in the U.S._____________________________________________________________________________________________________________
                                                                2206
                                                                          194,000 2312     194,000 2349   1,073,000 5
5. Other depository institutions in the U.S.______________________________________________________________________________________________________
                                                                2207
                                                                          387,000 2320     387,000 2236     955,000 6
6. Banks in foreign countries________________________________________________________________________________________________________________
                                                                2213
7. Foreign governments, and official institutions
                                                                           39,000 2300      39,000 2377     121,000 7
   (including foreign central banks)___________________________________________________________________________________________________________
                                                                2216
                                                                        1,887,000 2330   1,887,000                  8
8. Certified and official checks _______________________________________________________________________________________________
                                                                2330
9. Total (sum of items 1 through 8) (sum of
   columns A and C must equal Schedule RC,
                                                                       67,423,000 2210  62,067,000 2385 243,730,000 9
   item 13.a)_____________________________________________________________________________________________________________________________
                                                                2215

Memoranda                                                                                         Dollar Amounts in Thousands
1. Selected components of total deposits (i.e., sum of item 9, columns A and C):                          RCON
                                                                                                                   10,700,000 M.1.a
   a. Total Individual Retirement Accounts (IRAs) and Keogh Plan accounts___________________________________________________________________________
                                                                                                           6835
                                                                                                                      109,000 M.1.b
   b. Total brokered deposits________________________________________________________________________________________________________________
                                                                                                           2365
   c. Fully insured brokered deposits (included in Memorandum item 1.b above):
                                                                                                                            0 M.1.c1
      (1) Issued in denominations of less than $100,000___________________________________________________________________________________________
                                                                                                           2343
      (2) Issued either in denominations of $100,000 or in denominations greater than
                                                                                                                      109,000 M.1.c2
          $100,000 and participated out by the broker in shares of $100,000 or less______________________________________________________________________
                                                                                                           2344
   d. Maturity data for brokered deposits:
      (1) Brokered deposits issued in denominations of less than $100,000 with a remaining
           maturity of one year or less (included in Memorandum item 1.c.(1) above)____________________________________ 0 M.1.d1
                                                                                                          A243
      (2) Brokered deposits issued in denominations of $100,000 or more with a remaining
                                                                                                                      109,000 M.1.d2
           maturity of one year or less (included in Memorandum item 1.b above) _________________________________________________________
                                                                                                          A244
   e. Preferred deposits (uninsured deposits of states and political subdivisions in the U.S.
      reported in item 3 above which are secured or collaterlized as required under state law)
                                                                                                                    7,126,000 M.1.e
      (to be completed for the December report only) __________________________________________________________________________
                                                                                                           5590
2. Components of total nontransaction accounts (sum of Memorandum items 2.a through 2.c
   must equal item 9, column C, above):
   a. Savings deposits:                                                                                   RCON
                                                                                                           6810 102,549,000 M.2.a1
      (1) Money market deposit accounts (MMDAs)______________________________________________________________________________________________
                                                                                                                   53,834,000 M.2.a2
      (2) Other savings deposits (excludes MMDAs)______________________________________________________________________________________________
                                                                                                           0352
                                                                                                                   52,151,000 M.2.b
   b. Total time deposits of less than $100,000__________________________________________________________________________________________________
                                                                                                           6648
                                                                                                                   35,196,000 M.2.c
   c. Total time deposits of $100,000 or more ___________________________________________________________________________________
                                                                                                           2604
                                                                                                                    5,356,000 M.3
3. All NOW accounts (included in column A above)______________________________________________________________________________________________
                                                                                                           2398
4. Not applicable
Bank of America, N.A.                                 Call Date:       12/31/2000                  State #:        37-0355   FFIEC 031
100 N. Tryon Street                                  Vendor ID:        D                            Cert #:        03510         RC-10
Charlotte, NC 28255                                   Transit #:       53000196
                                                                                                                                  20

Schedule RC-E - Continued
Part I. Continued

Memoranda (continued)                                                                             Dollar Amounts in Thousands
5. Maturity and repricing data for time deposits of less than $100,000 :
   a. Time deposits of less than $100,000 with a remaining maturity or repricing
      frequency of: (1, 2)                                                                                RCON
                                                                                                                   18,844,000 M.5.a1
      (1) Three months or less ____________________________________________________________________________________________
                                                                                                          A579
                                                                                                                   23,766,000 M.5.a2
      (2) Over three months through 12 months____________________________________________________________________________________
                                                                                                          A580
                                                                                                                    7,653,000 M.5.a3
      (3) Over one year through three years ______________________________________________________________________________________
                                                                                                          A581
                                                                                                                    1,888,000 M.5.a4
      (4) Over three years ____________________________________________________________________________________________________
                                                                                                          A582
   b. Time deposits of less than $100,000 with a REMAINING MATURITY
                                                                                                                   42,610,000 M.5.b
      of one year or less (included in Memorandum items 5.a.(1) through 5.a.(4) above) _____________________________________________
                                                                                                          A241
6. Maturity and repricing data for time deposits of $100,000 or more:
   a. Time deposits of $100,000 or more with a remaining maturity or repricing
      frequency of: (1, 3)
                                                                                                                   20,513,000 M.6.a1
      (1) Three months or less ____________________________________________________________________________________________
                                                                                                          A584
                                                                                                                   11,436,000 M.6.a2
      (2) Over three months through 12 months____________________________________________________________________________________
                                                                                                          A585
                                                                                                                    2,502,000 M.6.a3
      (3) Over one year through three years ______________________________________________________________________________________
                                                                                                          A586
                                                                                                                      745,000 M.6.a4
      (4) Over three years ____________________________________________________________________________________________________
                                                                                                          A587
   b. Time deposits of $100,000 or more with a REMAINING MATURITY
                                                                                                                   31,949,000 M.6.b
      of one year or less (included in Memorandum items 6.a.(1) through 6.a.(4) above) ____________________________________________
                                                                                                          A242


(1) Report fixed rate time deposits by remaining maturity and floating rate time deposits by repricing frequency
(2) Sum of Memorandum items 5.a.(1) through 5.a.(4) must equal Schedule RC-E Memorandum item 2.b above.
(3) Sum of Memorandum items 6.a.(1) through 6.a.(4) must equal Schedule RC-E Memorandum item 2.c above.
Bank of America, N.A.                                     Call Date:        12/31/2000                  State #:      37-0355   FFIEC 031
100 N. Tryon Street                                      Vendor ID:         D                            Cert #:      03510         RC-11
Charlotte, NC 28255                                       Transit #:        53000196
                                                                                                                                      21

Schedule RC-E - Continued
Part II. Deposits in Foreign Offices (including Edge and
Agreement subsidiaries and IBFs)

Deposits of:                                                                                            Dollar Amounts in Thousands
                                                                                                                   RCFN
                                                                                                                 29,224,000 1
1. Individuals, partnerships, and corporations___________________________________________________________________________________________________
                                                                                                          2621
                                                                                                                 23,250,000 2
2. U.S. banks (including IBFs and foreign branches of U.S. banks)__________________________________________________________________________________
                                                                                                          2623
                                                                                                                 17,077,000 3
3. Foreign banks (including U.S. branches and agencies of foreign banks, including their IBFs)____________________________________________________________
                                                                                                          2625
                                                                                                                  4,794,000 4
4. Foreign governments and official institutions (including foreign central banks)________________________________________________________________________
                                                                                                          2650
                                                                                                                    183,000 5
5. Certified and official checks_______________________________________________________________________________________________________________
                                                                                                          2330
                                                                                                                    103,000 6
6. All other deposits_______________________________________________________________________________________________________________________
                                                                                                          2668
                                                                                                                 74,631,000 7
7. Total (sum of items 1 through 6 ) (must equal Schedule RC, item 13.b)_____________________________________________________________________________
                                                                                                          2200

Memorandum                                                                               Dollar Amounts in Thousands
1. Time deposits with a remaining maturity of one year or less                                   RCFN
                                                                                                          62,996,000 M.1
   (included in Part II, item 7 above)__________________________________________________________________________________________________________
                                                                                                 A245

Schedule RC-F - Other Assets
                                                                                                                                C430 <-
                                                                                                        Dollar Amounts in Thousands
                                                                                                                   RCFD
                                                                                                           2,879,000 1.
1. Income earned, not collected on loans ______________________________________________________________________________________________________
                                                                                                     2164
                                                                                                                   0 2.
2. Net deferred tax assets (1)_______________________________________________________________________________________________________________
                                                                                                     2148
3. Interest-only strips receivable (not in the form of a security)(2) on:
                                                                                                             182,000 3.a
   a. Mortgage loans ________________________________________________________________________________________________________
                                                                                                     A519
                                                                                                              16,000 3.b
   b. Other financial assets ___________________________________________________________________________________________
                                                                                                     A520
                                                                                                          31,894,000 4.
4. Other (itemize and describe amounts that exceed 25% of this item)________________________________________________________________________________
                                                                                                     2168
             TEXT                                                                 RCFD
   a.### Cash surrender value of life insurance                                   3549   10,881,000                  4.a
   b.###                                                                          3550           N/A                 4.b
   c.###                                                                          3551           N/A RCFD            4.c
                                                                                                          34,971,000 5.
5. Total (sum of items 1 through 4) (must equal Schedule RC, item 11)_______________________________________________________________________________
                                                                                                     2160


                                                                                                        Dollar Amounts in Thousands
Memorandum                                                                                                         RCFD
                                                                                                                    0 M.1
1. Deferred tax assets disallowed for regulatory capital purposes____________________________________________________________________________________
                                                                                                     5610

Schedule RC-G - Other Liabilities
                                                                                                                                C435 <-
                                                                                                        Dollar Amounts in Thousands
                                                                                                                   RCON
                                                                                                              1,003,000 1.a
1. a. Interest accrued and unpaid on deposits in domestic offices(3) _________________________________________________________________
                                                                                                      3645
                                                                                                                   RCFD
                                                                                                            3,591,000 1.b
   b. Other expenses accrued and unpaid (includes accrued income taxes payable)_____________________________________________________________________
                                                                                                      3646
                                                                                                            5,637,000 2.
2. Net deferred tax liabilities (1)______________________________________________________________________________________________________________
                                                                                                      3049
                                                                                                              197,000 3.
3. Minority interest in consolidated subsidiaries__________________________________________________________________________________________________
                                                                                                      3000
                                                                                                            9,290,000 4.
4. Other (itemize and describe amounts that exceed 25% of this item)________________________________________________________________________________
                                                                                                      2938
             TEXT                                                                 RCFD
   a.### Accounts Payable                                                          3552    3,022,000                  4.a
   b.###                                                                           3553           N/A                 4.b
   c.###                                                                           3554           N/A RCFD            4.c
                                                                                                           19,718,000 5.
5. Total (sum of items 1 through 4) (must equal Schedule RC, item 20)_______________________________________________________________________________
                                                                                                      2930


(1) See discussion of deferred income taxes in Glossary entry on "income taxes."
(2) Report interest-only strips receivable in the form of a security as available-for sale securities
   in Schedule RC, item 2.b, or as trading assets in Schedule RC, item 5, as appropriate.
(3) For savings banks, includes 'dividends' accrued and unpaid on deposits.
Bank of America, N.A.                                  Call Date:       12/31/2000      State #:      37-0355   FFIEC 031
100 N. Tryon Street                                   Vendor ID:        D                Cert #:      03510         RC-12
Charlotte, NC 28255                                    Transit #:       53000196
                                                                                                                      22

Schedule RC-H - Selected Balance Sheet Items for Domestic Offices
                                                                                                                C440 <-
                                                                                        Dollar Amounts in Thousands
                                                                                                   Domestic Offices
                                                                                                   RCON
                                                                                                             1,445,000 1
1. Customers' liability to this bank on acceptances outstanding_____________________________________________________________________________________
                                                                                                     2155
                                                                                                             1,445,000 2
2. Bank's liability on acceptances executed and outstanding________________________________________________________________________________________
                                                                                                     2920
                                                                                                            14,606,000 3
3. Federal funds sold and securities purchased under agreements to resell____________________________________________________________________________
                                                                                                     1350
                                                                                                            33,458,000 4
4. Federal funds purchased and securities sold under agreements to repurchase_______________________________________________________________________
                                                                                                     2800
                                                                                                            38,885,000 5
5. Other borrowed money__________________________________________________________________________________________________________________
                                                                                                     3190
   EITHER
                                                                                                                    N/A 6
6. Net due from own foreign offices, Edge and Agreement subsidiaries, and IBFs_______________________________________________________________________
                                                                                                     2163
   OR
                                                                                                             2,013,000 7
7. Net due to own foreign offices, Edge and Agreement subsidiaries, and IBFs_________________________________________________________________________
                                                                                                     2941
8. Total assets (excludes net due from foreign offices, Edge and Agreement subsidiaries, and
                                                                                                     2192 502,744,000 8
   IBFs)______________________________________________________________________________________________________________________________
9. Total liabilities (excludes net due to foreign offices, Edge and Agreement subsidiaries, and
                                                                                                     3129 451,401,000 9
   IBFs______________________________________________________________________________________________________________________________

 In items 10-17 report the amortized (historical) cost of both held-to-maturity
and available-for-sale securities in domestic offices.
                                                                                                              14,161,000 10
10. U.S. Treasury securities________________________________________________________________________________________________________________
                                                                                                       1039
11. U.S. Government agency obligations (exclude mortgage-backed
                                                                                                               2,234,000 11
    securities)__________________________________________________________________________________________________________________________
                                                                                                       1041
                                                                                                               1,813,000 12
12. Securities issued by states and political subdivisions in the U.S._________________________________________________________________________________
                                                                                                       1042
13. Mortgage-backed securities (MBS):
    a. Pass-through securities:
                                                                                                              27,096,000 13.a.1
      (1) Issued or guaranteed by FNMA, FHLMC, or GNMA_______________________________________________________________________________________
                                                                                                       1043
                                                                                                                       0 13.a.2
      (2) Other pass-through securities________________________________________________________________________________________________________
                                                                                                       1044
    b. Other mortgage-backed securities (include CMOs, REMICs, and stripped MBS):
                                                                                                               7,171,000 13.b.1
      (1) Issued or guaranteed by FNMA, FHLMC, or GNMA_______________________________________________________________________________________
                                                                                                       1209
                                                                                                                 281,000 13.b.2
      (2) All other mortgage-backed securities__________________________________________________________________________________________________
                                                                                                       1280
                                                                                                                 466,000 14
14. Other domestic debt securities___________________________________________________________________________________________________________
                                                                                                       1281
                                                                                                               1,758,000 15
15. Foreign debt securities_________________________________________________________________________________________________________________
                                                                                                       1282
16. Equity securities:
    a. Investments in mutual funds and other equity securities with readily determinable
                                                                                                               1,979,000 16.a
       fair values ____________________________________________________________________________________________________________
                                                                                                       A510
                                                                                                               1,052,000 16.b
    b. All other equity securities________________________________________________________________________________________________
                                                                                                       1752
17. Total amortized (historical) cost of both held-to-maturity and available-for-sale
                                                                                                              58,011,000 17
    secutities (sum of items 10 through 16) _________________________________________________________________________________________
                                                                                                       1374

Memorandum
(to be completed only by banks with IBFs and other "foreign" offices)
                                                                                               Dollar Amounts in Thousands
   EITHER                                                                                              RCON
                                                                                                                        N/A M.1
1. Net due from the IBF of the domestic offices of the reporting bank_________________________________________________________________________________
                                                                                                        3051
   OR
                                                                                                                   211,000 M.2
2. Net due to the IBF of the domestic offices of the reporting bank___________________________________________________________________________________
                                                                                                        3059
Bank of America, N.A.                                    Call Date:        12/31/2000                    State #:       37-0355     FFIEC 031
100 N. Tryon Street                                     Vendor ID:         D                              Cert #:       03510           RC-13
Charlotte, NC 28255                                      Transit #:        53000196
                                                                                                                                         23

Schedule RC-I - Selected Assets and Liabilities of IBFs
To be completed only by banks with IBFs and other "foreign" offices.                                                                C445 <-
                                                                                                          Dollar Amounts in Thousands
                                                                                                                    RCFN
                                                                                                                    8,675,000 1
1. Total IBF assets of the consolidated bank (component of Schedule RC, item 12)_____________________________________________________________________
                                                                                                            2133
2. Total IBF loans and lease financing receivables (component of Schedule RC-C, part I,
                                                                                                                    4,296,000 2
   item 12, column A)______________________________________________________________________________________________________________________
                                                                                                            2076
3. IBF commercial and industrial loans (component of Schedule RC-C, part I, item 4,
                                                                                                                    2,723,000 3
   column A)____________________________________________________________________________________________________________________________
                                                                                                            2077
                                                                                                                    7,873,000 4
4. Total IBF liabilities (component of Schedule RC, item 21)________________________________________________________________________________________
                                                                                                            2898
5. IBF deposit liabilities due to banks, including other IBFs (component of Schedule RC-E,
                                                                                                                        8,000 5
   part II, items 2 and 3)____________________________________________________________________________________________________________________
                                                                                                            2379
                                                                                                                    6,069,000 6
6. Other IBF deposit liabilities (component of Schedule RC-E, part II, items 1, 4, 5, and 6)________________________________________________________________
                                                                                                            2381

Schedule RC-K - Quarterly Averages (1)
                                                                                                                                    C455 <-
                                                                                                          Dollar Amounts in Thousands
ASSETS                                                                                                              RCFD
                                                                                                                  4,677,000 1.
 1. Interest-bearing balances due from depository institutions_______________________________________________________________________________________
                                                                                                           3381
 2. U.S. Treasury securities and U.S. Government agency obligations (2)
    (including mortgage-backed securities
                                                                                                                 62,333,000 2
    issued or guaranteed by FNMA, FHLMC, or GNMA) _____________________________________________________________________
                                                                                                           3382
                                                                                                                  2,802,000 3.
 3. Securities issued by states and political subdivisions in the U.S.(2)________________________________________________________________________________
                                                                                                           3383
 4. a. Other debt securities (2)
       (including mortgage-backed securities not
                                                                                                                  8,608,000 4.a
       issued or guaranteed by FNMA, FHLMC, or GNMA) _____________________________________________________________________
                                                                                                           3647
                                                                                                                  1,054,000 4.b
    b. Equity securities (3) (includes investments in mutual funds and Federal Reserve stock)______________________________________________________________
                                                                                                           3648
                                                                                                                 17,127,000 5
 5. Federal funds sold and securities purchased under agreements to resell __________________________________________________________
                                                                                                           3365
 6. Loans:
    a. Loans in domestic offices:                                                                         RCON
                                                                                                           3360 337,173,000 6.a.1
       (1) Total loans_______________________________________________________________________________________________________________________
                                                                                                           3385 179,143,000 6.a.2
       (2) Loans secured by real estate________________________________________________________________________________________________________
                                                                                                                  1,747,000 6.a.3
       (3) Loans to finance agricultural production and other loans to farmers___________________________________________________________________________
                                                                                                           3386
                                                                                                           3387 105,858,000 6.a.4
       (4) Commercial and industrial loans______________________________________________________________________________________________________
                                                                                                                 25,132,000 6.a.5
       (5) Loans to individuals for household, family, and other personal expenditures____________________________________________________________________
                                                                                                           3388
                                                                                                                    RCFN
                                                                                                              28,710,000 6.b
    b. Total loans in foreign offices, Edge and Agreement subsidiaries, and IBFs_______________________________________________________________________
                                                                                                       3360
                                                                                                                    RCFD
                                                                                                        47,391,000 7.
 7. Trading assets ________________________________________________________________________________________________________________________
                                                                                                 3401
                                                                                                        21,677,000 8.
 8. Lease financing receivables (net of unearned income)__________________________________________________________________________________________
                                                                                                 3484
                                                                                                 3368 605,252,000 9
 9. Total assets(4)________________________________________________________________________________________________________________________
LIABILITIES
10. Interest-bearing transaction accounts in domestic (NOW accounts, ATS accounts,                  RCON
                                                                                                            5,266,000 10
    and telephone and preauthorized transfer accounts) (exclude demand deposits)_____________________________________________________________________
                                                                                                     3485
11. Nontransaction accounts in domestic offices:
                                                                                                     3486 101,596,000 11.a
    a. Money market deposit accounts (MMDAs)________________________________________________________________________________________________
                                                                                                           53,887,000 11.b
    b. Other savings deposits_______________________________________________________________________________________________________________
                                                                                                     3487
                                                                                                           36,036,000 11.c
    c. Time deposits of $100,000 or more ________________________________________________________________________________________
                                                                                                    A514
                                                                                                           49,479,000 11.d
    d. Time deposits of less than $100,000 _______________________________________________________________________________________
                                                                                                    A529
                                                                                                                    RCFN
                                                                                                                74,660,000 12
12. Interest-bearing deposits in foreign offices, Edge and Agreement subsidiaries, and IBFs______________________________________________________________
                                                                                                         3404
                                                                                                                    RCFD
                                                                                                             52,094,000 13
13. Federal funds purchased and securities sold under agreements to repurchase _____________________________________________________
                                                                                                      3353
14. Other borrowed money                                                                              RCFD
                                                                                                             46,648,000 14
    (includes mortgage indebtedness and obligations under capitalized leases) _________________________________________________
                                                                                                      3355


(1) For all items, banks have the option of reporting either (1) an average of daily figures for the quarter or (2) an average of
    weekly figures (i.e., the Wednesday of each week of the quarter).
(2) Quarterly averages for all debt securities should be based on amortized cost.
(3) Quarterly averages for all equity securities should be based on historical cost.
(4) The quarterly averages for total assets should reflect all debt securities (not held for trading) at amortized cost, equity
    securities with readily determinable fair values at the lower of cost or fair value, and equity securities without readily
    determinable fair values at historical cost.
Bank of America, N.A.                            Call Date:     12/31/2000                State #:     37-0355    FFIEC 031
100 N. Tryon Street                             Vendor ID:      D                          Cert #:     03510          RC-14
Charlotte, NC 28255                              Transit #:     53000196
                                                                                                                        24

Schedule RC-L - Off-Balance Sheet Items
Please read carefully the instructions for the preparation of Schedule RC-L. Some of the amounts
reported in Schedule RC-L are regarded as volume indicators and not necessarily as measures of risk.
                                                                                                                  C460 <-
                                                                                          Dollar Amounts in Thousands
  1. Unused commitments:
     a. Revolving, open-end lines secured by 1-4 family residential properties, e.g., home equity             RCFD
                                                                                                                    26,709,000 1.a
        lines______________________________________________________________________________________________________________________________
                                                                                                              3814
                                                                                                                             0 1.b
     b. Credit card lines_____________________________________________________________________________________________________________________
                                                                                                              3815
     c. Commercial real estate, construction, and land development:
                                                                                                                     3,598,000 1.c.1
        (1) Commitments to fund loans secured by real estate________________________________________________________________________________________
                                                                                                              3816
                                                                                                                     3,815,000 1.c.2
        (2) Commitments to fund loans not secured by real estate_____________________________________________________________________________________
                                                                                                              6550
                                                                                                                             0 1.d
     d. Securities underwriting________________________________________________________________________________________________________________
                                                                                                              3817
                                                                                                              3818 201,391,000 1.e
     e. Other unused commitments____________________________________________________________________________________________________________
                                                                                                                    28,813,000 2.
  2. Financial standby letters of credit and foreign office guarantees __________________________________________________________________________________
                                                                                              RCFD            3819
                                                                                                           0                   2.a
     a. Amount of financial standby letters of credit conveyed to others________________________________________________________________________________
                                                                                              3820
                                                                                                                     4,561,000 3.
  3. Performance standby letters of credit and foreign office guarantees_______________________________________________________________________________
                                                                                                              3821
                                                                                                           0                   3.a
     a. Amount of performance standby letters of credit conveyed to others_____________________________________________________________________________
                                                                                              3822
                                                                                                                     3,327,000 4.
  4. Commercial and similar letters of credit _____________________________________________________________________________________________________
                                                                                                              3411
 5. Participations in acceptances (as described in the instructions) conveyed to others by the
                                                                                                                        66,000 5
     reporting bank_________________________________________________________________________________________________________________________
                                                                                                              3428
  6. Participations in acceptances (as described in the instructions) acquired by the reporting
                                                                                                                             0 6.
     (nonaccepting) bank____________________________________________________________________________________________________________________
                                                                                                              3429
                                                                                                                             0 7.
  7. Securities borrowed____________________________________________________________________________________________________________________
                                                                                                              3432
  8. Securities lent (including customers' securities lent where the customer is indemnified against
                                                                                                                             0 8
     loss by the reporting bank)_______________________________________________________________________________________________________________
                                                                                                              3433
  9. Financial assets transferred with recourse that have been treated as
      sold for Call Report purposes :
     a. First lien 1-to-4 family residential mortgage loans :
        (1) Outstanding principal balance of mortgages transferred                                            RCFD
                                                                                                                     7,446,000 9.a.1
            as of the report date ______________________________________________________________________________________________
                                                                                                              A521
        (2) Amount of recourse exposure on these mortgages
                                                                                                                     3,317,000 9.a.2
            as of the report date ______________________________________________________________________________________________
                                                                                                              A522
     b. Other financial assets (excluding small business obligations
        reported in item 9.c) :
        (1) Outstanding principal balance of assets transferred
                                                                                                                     6,653,000 9.b.1
            as of the report date ______________________________________________________________________________________________
                                                                                                              A523
        (2) Amount of recourse exposure on these assets
                                                                                                                       418,000 9.b.2
            as of the report date ______________________________________________________________________________________________
                                                                                                              A524
     c. Small business obligations transferred with recourse under Section 208 of
        the Reigle Community Development and Regulatory Improvement Act of 1994:
        (1) Outstanding principal balance of small business obligations
             transferred as of the report date_____________________________________________________________________0 9.c.1
                                                                                                              A249
                                                                                                                             0 9.c.2
        (2) Amount of retained recourse on these obligations as of the report date_____________________________________________________
                                                                                                              A250
 10. Notional amount of credit derivatives :
                                                                                                                    13,890,000 10.a
     a. Credit derivatives on which the reporting bank is the guarantor _____________________________________________________________
                                                                                                              A534
                                                                                                                    30,445,000 10.b
     b. Credit derivatives on which the reporting bank is the beneficiary _____________________________________________________________
                                                                                                              A535
                                                                                                                    38,868,000 11
11. Spot foreign exchange contracts__________________________________________________________________________________________________________
                                                                                                              8765
12. All other off-balance sheet liabilities (exclude off-balance sheet derivatives) (itemize and describe
                                                                                                                             0 12
     each component of this item over 25% of Schedule RC, item 28, "Total equity capital")________________________________________________________________
                                                                                                              3430
                TEXT                                                                          RCFD
     a. ##
      #                                                                                       3555        N/A                  12.a
     b. ##
      #                                                                                       3556        N/A                  12.b
     c. ##
      #                                                                                       3557        N/A                  12.c
     d. ##
      #                                                                                       3558        N/A                  12.d
Bank of America, N.A.                           Call Date:     12/31/2000               State #:      37-0355     FFIEC 031
100 N. Tryon Street                            Vendor ID:      D                         Cert #:      03510           RC-15
Charlotte, NC 28255                             Transit #:     53000196
                                                                                                                        25

Schedule RC-L - Continued
13. All other off-balance sheet assets (exclude off-balance sheet derivatives)(itemize and describe     RCFD
                                                                                                                      0 13
    each component of this item over 25% Schedule RC item 28., "Total equity capital")__________________________________________________________________
                                                                                                        5591
              TEXT                                                                       RCFD
    a. ##
     #                                                                                    5592      N/A                  13.a
    b. ##
     #                                                                                    5593      N/A                  13.b
    c. ##
     #                                                                                    5594      N/A                  13.c
    d. ##
     #                                                                                    5595      N/A                  13.d

   Off-Balance Sheet Derivatives                                                                                  C461 <-
        Position Indicators                                                               Dollar Amounts in Thousands
                                                     (Column A)        (Column B)   (Column C)           (Column D)
14. Gross amounts (e.g., notional                      Interest          Foreign      Equity             Commodity
    amounts) ( for each column, sum of                   Rate           Exchange     Derivative           and other
    items 14.a through 14.e must equal                Contracts         Contracts    Contracts            Contracts
    sum of items 15, 16.a and 16.b):         RCFD                 RCFD              RCFD            RCFD
                                              8693 527,978,000 8694         546,000 8695 60,052,000 8696  2,122,000 14.a
    a. Futures contracts____________________________________________________________________________________________________________________
                                              8697 554,385,000 8698 684,119,000 8699              0 8700     55,000 14.b
    b. Forward contracts____________________________________________________________________________________________________________________
    c. Exchange-traded option contracts:
                                              8701 295,712,000 8702         781,000 8703 16,635,000 8704  3,449,000 14.c1
       (1) Written options___________________________________________________________________________________________________________________
                                              8705 249,241,000 8706         879,000 8707 17,073,000 8708  3,074,000 14.c2
       (2) Purchased Options________________________________________________________________________________________________________________
    d. Over-the-counter options contracts:
                                              8709 407,623,000 8710      34,344,000 8711 13,677,000 8712  9,154,000 14.d1
       (1) Written options___________________________________________________________________________________________________________________
                                              8713 433,774,000 8714      31,671,000 8715 18,004,000 8716  7,749,000 14.d2
       (2) Purchased options_________________________________________________________________________________________________________________
                                              3450 3,852,299,000 3826    69,180,000 8719 18,839,000 8720  9,126,000 14.e
    e. Swaps_____________________________________________________________________________________________________________________________
15. Total gross notional amount of
                                              A126 6,226,534,000 A127 820,550,000 8723 144,280,000 8724  34,729,000 15
    derivative contracts held for trading________________________________________________________________________________________________________
16. Total gross notional amount of
    derivative contracts held for
    purposes other than trading:             RCFD                 RCFD              RCFD            RCFD
                                                                0 8726            0 8727          0 8728          0 16.a
    a. Contracts marked to market____________________________________________________________________________________________________________
                                              8725
                                                      94,478,000 8730       970,000 8731          0 8732          0 16.b
    b. Contracts not marked to market_________________________________________________________________________________________________________
                                              8729
    c. Interest rate swaps where the bank RCON
                                                      31,733,000                                                    16.c
       has agreed to pay a fixed rate ________________________________________________________________________________________
                                              A589
Bank of America, N.A.                           Call Date:    12/31/2000                State #:     37-0355     FFIEC 031
100 N. Tryon Street                            Vendor ID:     D                          Cert #:     03510           RC-16
Charlotte, NC 28255                             Transit #:    53000196
                                                                                                                       26

Schedule RC-L - Continued
                                                                                         Dollar Amounts in Thousands
   Off-Balance Sheet Derivatives             (Column A)         (Column B)         (Column C)           (Column D)
        Position Indicators                    Interest           Foreign            Equity             Commodity
                                                 Rate            Exchange           Derivative           and other
17. Gross fair value of derivative contracts: Contracts          Contracts          Contracts            Contracts
    a. Contracts held for trading:            RCFD             RCFD             RCFD             RCFD
                                                    56,002,000 8734  15,607,000 8735   7,190,000 8736  12,187,000 17.a1
       (1) Gross positive fair value____________________________________________________________________________________________________________
                                              8733
                                                    59,241,000 8738  15,393,000 8739   6,458,000 8740  11,764,000 17.a2
       (2) Gross negative fair value____________________________________________________________________________________________________________
                                              8737
    b. Contracts held for purposes other than
        trading that are marked to market:
                                                             0 8742           0 8743           0 8744           0 17.b1
       (1) Gross positive fair value____________________________________________________________________________________________________________
                                              8741
                                                             0 8746           0 8747           0 8748           0 17.b2
       (2) Gross negative fair value____________________________________________________________________________________________________________
                                              8745
    c. Contracts held for purposes other than
       trading that are not marked to market:
                                                     2,023,000 8750           0 8751           0 8752           0 17.c1
       (1) Gross positive fair value____________________________________________________________________________________________________________
                                              8749
                                                     1,279,000 8754      98,000 8755           0 8756           0 17.c2
       (2) Gross negative fair value____________________________________________________________________________________________________________
                                              8753


Memoranda                                                                                             Dollar Amounts in Thousands
1.-2. Not applicable
3. Unused commitments with an original maturity exceeding one year that are reported in
   Schedule RC-L, items 1.a through 1.e, above (report only the unused portions of                            RCFD
                                                                                                              3833 140,280,000 M.3
   commitments that are fee paid or otherwise legally binding)______________________________________________________________________________________
   a. Participations in commitments with an original maturity                            RCFD
                                                                                                   1,310,000                       M.3.a
      exceeding one year conveyed to others____________________________________________________________________________________________________
                                                                                         3834
4. To be completed only by banks with $ 1 billion or more in total assets:
   Standby letters of credit and foreign office guarantees (both financial and performance) issued            RCFD
                                                                                                                        5,288,000 M.4
    to non-U.S. addressees (domicile) included in Schedule RC-L, items 2 and 3, above__________________________________________________________________
                                                                                                              3377
5. Loans to individuals for household, family, and other personal expenditures that
   have been securitized and sold (with servicing retained), amounts
   outstanding by type of loan:
   a. Loans to purchase private passenger automobiles                                                         RCFD
                                                                                                                               N/A M.5.a
      (to be completed for the September report only)____________________________________________________________________________
                                                                                                              2741
   b. Credit cards and related plans ( TO BE COMPLETED QUARTERLY )________________________________________________
                                                                                                              2742              0 M.5.b
   c. All other consumer credit (including mobile home loans)
                                                                                                                               N/A M.5.c
      (to be completed for the September report only)____________________________________________________________________________
                                                                                                              2743
Bank of America, N.A.                                Call Date:       12/31/2000                  State #:      37-0355    FFIEC 031
100 N. Tryon Street                                 Vendor ID:        D                            Cert #:      03510          RC-17
Charlotte, NC 28255                                  Transit #:       53000196
                                                                                                                                 27

Schedule RC-M-Memoranda
                                                                                                                           C465 <-
                                                                                                   Dollar Amounts in Thousands
 1. Extensions of credit by the reporting bank to its executive officers, directors, principal
    shareholders, and their related interests as of the report date:
    a. Aggregate amount of all extensions of credit to all executive officers, directors, principal           RCFD
                                                                                                                      285,000 1.a
       shareholders, and their related interests___________________________________________________________________________________________________
                                                                                                              6164
    b. Number of executive officers, directors, and principal shareholders to whom the amount of
       all extensions of credit by the reporting bank (including extensions of credit to
       related interests) equals or exceeds the lesser of $500,000 or 5 percent               RCFD  Number
                                                                                                           11                 1.b
       of total capital as defined for this purpose in agency regulations________________________________________________________________________________
                                                                                               6165
 2. Federal funds sold and securities purchased under agreements to resell with U.S. branches                 RCFD
                                                                                                                            0 2
    and agencies of foreign banks (1) (included in Schedule RC, item 3) _______________________________________________________________
                                                                                                              3405
 3. Not applicable.
 4. Outstanding principal balance of 1-4 family residential mortgage loans serviced for others
    (include both retained servicing and purchased servicing):
                                                                                                                   19,600,000 4.a
    a. Mortgages serviced under a GNMA contract_______________________________________________________________________________________________
                                                                                                              5500
    b. Mortgages serviced under a FHLMC contract:
                                                                                                                       58,000 4.b.1
        (1) Serviced with recourse to servicer____________________________________________________________________________________________________
                                                                                                              5501
                                                                                                                   87,944,000 4.b.2
        (2) Serviced without recourse to servicer__________________________________________________________________________________________________
                                                                                                              5502
    c. Mortgages serviced under a FNMA contract:
                                                                                                                      167,000 4.c.1
        (1) Serviced under a regular option contract_______________________________________________________________________________________________
                                                                                                              5503
                                                                                                                   90,335,000 4.c.2
        (2) Serviced under a special option contract_______________________________________________________________________________________________
                                                                                                              5504
                                                                                                                   30,000,000 4.d
    d. Mortgages serviced under other servicing contracts_________________________________________________________________________________________
                                                                                                              5505
 5. To be completed only by banks with $ 1 billion or more in total assets:
    Customers' liability to this bank on acceptances outstanding (sum of items 5.a and 5.b must
    equal Schedule RC, item 9):
                                                                                                                      836,000 5.a
    a. U.S. addressees (domicile)_____________________________________________________________________________________________________________
                                                                                                              2103
                                                                                                                    1,133,000 5.b
    b. Non-U.S. addressees (domicile)_________________________________________________________________________________________________________
                                                                                                              2104
 6. Intangible assets:
                                                                                                                    3,763,000 6.a
    a. Mortgage Servicing Assets _______________________________________________________________________________________________
                                                                                                              3164
                                                                                                                    4,254,000 6.a.1
       (1) Estimated fair value of mortgage servicing assets ________________________________________________________________________
                                                                                                              A590
    b. Other identifiable intangible assets:
                                                                                                                            0 6.b.1
       (1) Purchased credit card relationships and nonmortgage servicing assets _________________________________________________
                                                                                                              B026
                                                                                                                    1,296,000 6.b.2
       (2) All other identifiable intangible assets__________________________________________________________________________________________________
                                                                                                              5507
                                                                                                                    9,850,000 6.c
    c. Goodwill___________________________________________________________________________________________________________________________
                                                                                                              3163
                                                                                                                   14,909,000 6.d
    d. Total (sum of items 6.a, 6.b.(1), 6.b.(2), and 6.c) (must equal Schedule RC, item 10) _________________________________________________
                                                                                                              2143
    e. Amount of intangible assets (included in item 6.b.(2) above) that have been
                                                                                                                      398,000 6.e
       grandfathered or are otherwise qualifying for regulatory capital purposes_________________________________________________________________________
                                                                                                              6442
 7. Mandatory convertible debt, net of common or perpetual preferred stock dedicated to
                                                                                                                            0 7
    redeem the debt_______________________________________________________________________________________________________________________
                                                                                                              3295


(1) Do not report federal funds sold and securities purchased under agreements to resell with other commercial banks
    in the U.S. in this item.
Bank of America, N.A.                                   Call Date:        12/31/2000                   State #:      37-0355   FFIEC 031
100 N. Tryon Street                                    Vendor ID:         D                             Cert #:      03510         RC-18
Charlotte, NC 28255                                     Transit #:        53000196
                                                                                                                                    28

Schedule RC-M - Continued
                                                                                                    Dollar Amounts in Thousands
 8. a. Other real estate owned:                                                                             RCFD
                                                                                                                              0 8.a.1
      (1) Direct and indirect investments in real estate ventures_____________________________________________________________________________________
                                                                                                             5372
      (2) All other real estate owned:                                                                      RCON
                                                                                                                          6,000 8.a.2a
         (a) Construction and land development in domestic offices___________________________________________________________________________________
                                                                                                             5508
                                                                                                                              0 8.a.2b
         (b) Farmland in domestic offices_______________________________________________________________________________________________________
                                                                                                             5509
                                                                                                                         67,000 8.a.2c
         (c) 1-4 family residential properties in domestic offices______________________________________________________________________________________
                                                                                                             5510
                                                                                                                              0 8.a.2d
         (d) Multifamily (5 or more) residential properties in domestic offices____________________________________________________________________________
                                                                                                             5511
                                                                                                                        216,000 8.a.2e
         (e) Nonfarm nonresidential properties in domestic offices____________________________________________________________________________________
                                                                                                             5512
                                                                                                                  RCFN
                                                                                                            0 8.a.2f
       (f) In foreign offices_________________________________________________________________________________________________________________
                                                                                             5513
                                                                                                                  RCFD
                                                                                                                   289,000 8.a.3
       (3) Total (sum of items 8.a.(1) and 8.a.(2)) (must equal Schedule RC, item 7)______________________________________________________________________
                                                                                                          2150
    b. Investments in unconsolidated subsidiaries and associated companies:
                                                                                                                         0 8.b.1
       (1) Direct and indirect investments in real estate ventures_____________________________________________________________________________________
                                                                                                          5374
                                                                                                                   682,000 8.b.2
       (2) All other investments in unconsolidated subsidiaries and associated companies_________________________________________________________________
                                                                                                          5375
                                                                                                                   682,000 8.b.3
       (3) Total (sum of items 8.b.(1) and 8.b.(2)) (must equal Schedule RC, item 8)______________________________________________________________________
                                                                                                          2130
 9. Noncumulative perpetual preferred stock and related surplus included in Schedule RC,
                                                                                                                         0 9
    item 23, "Perpetual preferred stock and related surplus"________________________________________________________________________________________
                                                                                                          3778
 10. Mutual fund and annuity sales in domestic offices during the quarter (include proprietary,
      private label, and third party products):                                                          RCON
                                                                                                          6441 174,863,000 10.a
      a. Money market funds_________________________________________________________________________________________________________________
                                                                                                                   984,000 10.b
      b. Equity securities funds_______________________________________________________________________________________________________________
                                                                                                          8427
                                                                                                                   194,000 10.c
      c. Debt securities funds________________________________________________________________________________________________________________
                                                                                                          8428
                                                                                                                     8,000 10.d
      d. Other mutual funds__________________________________________________________________________________________________________________
                                                                                                          8429
                                                                                                                   356,000 10.e
      e. Annuities__________________________________________________________________________________________________________________________
                                                                                                          8430
      f. Sales of proprietary mutual funds and annuities (included in items 10.a through
                                                                                                          8784 170,938,000 10.f
         10.e above)________________________________________________________________________________________________________________________
11. Net unamortized realized deferred gains (losses)
     on off-balance sheet derivative contracts included                                                  RCFD
                                                                                                                   206,000 11
     in assets and liabilities reported in Schedule RC _____________________________________________________________________
                                                                                                          A525
12. Amount of assets netted against nondeposit liabilities and deposits in
    foreign offices (other than insured branches in Puerto Rico
   and U.S. territories and possessions) on the balance sheet (Schedule RC)                              RCFD
   in accordanance with generally accepted accounting principles(1) _____________________________________________
                                                                                                          A526     685,000 12
13. Outstanding principal balance of loans other than 1-4 family residential
     mortgage loans that are serviced for others (to be completed
     if this balance is more than $10 million and exceeds ten percent
                                                                                                                         0 13
     of total assets) ___________________________________________________________________________________________________________
                                                                                                          A591



Memorandum                                                                            Dollar Amounts in Thousands
1. Reciprocal holdings of banking organizations' capital instruments                          RCFD
                                                                                                               0 M.1
   (to be completed for the December report only) ___________________________________________________________________________
                                                                                              3836



(1) Exclude netted on-balance sheet amounts associated with off-balance sheet derivative contracts,
   deferred tax assets netted against deferred tax liabilities, and assets netted in accounting for pensions.
Bank of America, N.A.                         Call Date:    12/31/2000               State #:     37-0355      FFIEC 031
100 N. Tryon Street                          Vendor ID:     D                         Cert #:     03510            RC-19
Charlotte, NC 28255                           Transit #:    53000196
                                                                                                                      29

Schedule RC-N - Past Due and Nonaccrual Loans, Leases, and Other Assets


The FFIEC regards the information reported in all of Memorandum item 1, in items 1 through 10,
column A, and in Memorandum items 2 through 4, column A, as confidential.
                                                                                                               C470 <-
                                                                                      Dollar Amounts in Thousands

                                                           ----(Column A)--   ----(Column B)---   ----(Column C)---
                                                                Past due         Past due 90          Nonaccrual
                                                            30 through 89       days or more
                                                             days and still         and still
                                                                accruing           accruing
1. Loans secured by real estate:                             RCFD              RCFD             RCFD
                                                                     3,591,000 1246      53,000 1247   2,013,000 1.a
   a. To U.S. addressees (domicile)__________________________________________________________________________________________________________
                                                             1245
                                                                        11,000 1249           0 1250       9,000 1.b
   b. To non-U.S. addressees (domicile)_______________________________________________________________________________________________________
                                                             1248
2. Loans to depository institutions and acceptances
   of other banks:
   a. To U.S. banks and other U.S. depository                RCFD              RCFD             RCFD
                                                                         2,000 5378           0 5379           0 2.a
      institutions__________________________________________________________________________________________________________________________
                                                             5377
                                                                             0 5381           0 5382      13,000 2.b
   b. To foreign banks_____________________________________________________________________________________________________________________
                                                             5380
3. Loans to finance agricultural production and
                                                                         6,000 1597           0 1583      12,000 3.
   other loans to farmers___________________________________________________________________________________________________________________
                                                             1594
4. Commercial and industrial loans:
                                                                       570,000 1252      78,000 1253   2,092,000 4.a
   a. To U.S. addressees (domicile)__________________________________________________________________________________________________________
                                                             1251
                                                                        99,000 1255      37,000 1256     466,000 4.b
   b. To non-U.S. addressees (domicile)_______________________________________________________________________________________________________
                                                             1254
5. Loans to individuals for household, family, and
   other personal expenditures:                              RCFD              RCFD             RCFD
                                                                        21,000 5384       4,000 5385           0 5.a
   a. Credit cards and related plans___________________________________________________________________________________________________________
                                                             5383
   b. Other (includes single payment, installment,
                                                                       676,000 5387      78,000 5388       7,000 5.b
      and all student loans)__________________________________________________________________________________________________________________
                                                             5386
6. Loans to foreign governments and official
                                                                         8,000 5390           0 5391           0 6
   institutions____________________________________________________________________________________________________________________________
                                                             5389
                                                                        39,000 5460       5,000 5461     638,000 7
7. All other loans_________________________________________________________________________________________________________________________
                                                             5459
8. Lease financing receivables:
                                                                       145,000 1258      14,000 1259      62,000 8.a
   a. Of U.S. addressees (domicile)___________________________________________________________________________________________________________
                                                             1257
                                                                         3,000 1272           0 1791       3,000 8.b
   b. Of non-U.S. addressees (domicile)_______________________________________________________________________________________________________
                                                             1271
9. Debt securities and other assets (exclude other
                                                                             0 3506           0 3507           0 9
   real estate owned and other repossessed assets)______________________________________________________________________________________________
                                                             3505


================================================================================================================================

Amounts reported in items 1 through 8 above include guaranteed and unguaranteed portions of past due and
nonaccrual loans and leases. Report in item 10 below certain guaranteed loans and leases that have already
been included in the amounts reported in items 1 through 8.

10. Loans and leases reported in items 1
  through 8 above which are wholly or partially           RCFD             RCFD              RCFD
                                                                   383,000 5613      148,000 5614     145,000 10
  guaranteed by the U.S. Government________________________________________________________________________________________________________
                                                          5612
  a. Guaranteed portion of loans and leases
                                                                   383,000 5616      148,000 5617     145,000 10.a
     included in item 10 above______________________________________________________________________________________________________________
                                                          5615
Bank of America, N.A.                           Call Date:   12/31/2000                         State #:     37-0355      FFIEC 031
100 N. Tryon Street                            Vendor ID:    D                                   Cert #:     03510            RC-20
Charlotte, NC 28255                             Transit #:   53000196
                                                                                                                                 30

Schedule RC-N - Continued
                                                                                                                          C473 <-
                                                                                                 Dollar Amounts in Thousands

                                                             ----(Column A)--          ----(Column B)---     ----(Column C)---
Memoranda                                                         Past due                Past due 90            Nonaccrual
                                                              30 through 89              days or more
1. Restructured loans and leases included in                   days and still                and still
   Schedule RC-N, items 1 through 8, above                        accruing                  accruing
   (and not reported in Schedule RC-C, Part I,                RCFD              RCFD             RCFD
                                                                              0 1659           0 1661           0 M.1
   Memorandum item 2)____________________________________________________________________________________________________________________
                                                               1658
2. Loans to finance commercial real estate,
   construction, and land development activities
   (not secured by real estate) included in                   RCFD              RCFD             RCFD
                                                                         13,000 6559       1,000 6560      38,000 M.2
   Schedule RC-N, items 4 and 7, above_______________________________________________________________________________________________________
                                                               6558
3. Loans secured by real estate in domestic offices
   (included in Schedule RC-N, item 1, above):                RCON             RCON             RCON
                                                                         89,000 2769       3,000 3492     101,000 M.3a
   a. Construction and land development_______________________________________________________________________________________________________
                                                               2759
                                                                         11,000 3494       8,000 3495      16,000 M.3b
   b. Secured by farmland__________________________________________________________________________________________________________________
                                                               3493
   c. Secured by 1-4 family residential properties:
      (1) Revolving, open-end loans secured by
          1-4 family residential properties and               RCON             RCON             RCON
                                                                        163,000 5399           0 5400      33,000 M.3.c1
          extended under lines of credit_________________________________________________________________________________________________________
                                                               5398
      (2) All other loans secured by 1-4 family
                                                                      3,190,000 5402      20,000 5403   1,577,000 M.3c2
          residential properties________________________________________________________________________________________________________________
                                                               5401
   d. Secured by multifamily (5 or more) residential
                                                                         27,000 3500       3,000 3501      44,000 M.3d
      properties___________________________________________________________________________________________________________________________
                                                               3499
                                                                        122,000 3503      19,000 3504     251,000 M.3e
   e. Secured by nonfarm nonresidential properties______________________________________________________________________________________________
                                                               3502


                                                               ----(Column A)---         ----(Column B)---
                                                                   Past due                Past due 90
                                                                30 through 89             days or more
                                                                    days and still      and still Amounts in Thousands
                                                                                         Dollar
4. Interest rate, foreign exchange rate, and other                    accruing          accruing
   commodity and equity contracts:                           RCFD                  RCFD
                                                                            5,000 3528        4,000                    M.4.a
   a. Book value of amounts carried as assets__________________________________________________________________________________________________
                                                             3522
   b. Replacement cost of contracts with a
                                                                          24,000 3530              0                   M.4.b
      positive replacement cost______________________________________________________________________________________________________________
                                                             3529

Person to whom questions about the Reports of Condition and Income should be directed:                                    C477 <-

          Name                            Title                               Area Code/Phone Number/Extension
    ###   Beth Bost     Name         8901 VP                                     8902 (704) 388-8108



                                                                                   TEXT Fax:    Area Code/Phone Number
                                                                                   9116 (704)   388-9145
Bank of America, N.A.                              Call Date:     12/31/2000                State #:    37-0355     FFIEC 031
100 N. Tryon Street                               Vendor ID:      D                          Cert #:    03510           RC-21
Charlotte, NC 28255                                Transit #:     53000196
                                                                                                                          31

Schedule RC-O - Other Data for Deposit Insurance and FICO Assessments
                                                                                                                    C475 <-
                                                                                            Dollar Amounts in Thousands
1. Unposted debits (see instructions):                                                                  RCON
                                                                                                                        N/A 1.a
   a. Actual amount of all unposted debits______________________________________________________________________________________________________
                                                                                                         0030
      OR
   b. Separate amount of unposted debits:
                                                                                                                   232,000 1.b.1
      (1) Actual amount of unposted debits to demand deposits_____________________________________________________________________________________
                                                                                                         0031
                                                                                                                    30,000 1.b.2
      (2) Actual amount of unposted debits to time and savings deposits (1)____________________________________________________________________________
                                                                                                         0032
2. Unposted credits (see instructions):
                                                                                                                        N/A 2.a
   a. Actual amount of all unposted credits_____________________________________________________________________________________________________
                                                                                                         3510
      OR
   b. Separate amount of unposted credits:
                                                                                                                   651,000 2.b.1
      (1) Actual amount of unposted credits to demand deposits_____________________________________________________________________________________
                                                                                                         3512
                                                                                                                    39,000 2.b.2
      (2) Actual amount of unposted credits to time and savings deposits (1)___________________________________________________________________________
                                                                                                         3514
3. Uninvested trust funds (cash) held in bank's own trust department (not included in total
                                                                                                                   391,000 3.
   deposits in domestic offices)______________________________________________________________________________________________________________
                                                                                                         3520
4. Deposits of consolidated subsidiaries in domestic offices and in insured branches in Puerto
   Rico and U.S. territories and possessions ( not included in total deposits ) :
                                                                                                                 5,290,000
   a. Demand deposits of consolidated subsidiaries_______________________________________________________________ 4.a
                                                                                                         2211
                                                                                                                 7,888,000 4.b
   b. Time and savings deposits (1) of consolidated subsidiaries____________________________________________________________________________________
                                                                                                         2351
                                                                                                                     1,000 4.c
   c. Interest accrued and unpaid on deposits of consolidated subsidiaries____________________________________________________________________________
                                                                                                         5514
5. Deposits in insured branches in Puerto Rico and U.S. territories and possessions:
                                                                                                                         0 5.a
   a. Demand deposits in insured branches (included in Schedule RC-E, Part II)________________________________________________________________________
                                                                                                         2229
                                                                                                                         0 5.b
   b. Time and saving deposits(1) in insured branches (included in Schedule RC-E, Part II)_______________________________________________________________
                                                                                                         2383
   c. Interest accrued and unpaid on deposits in insured branches
                                                                                                                         0 5.c
      (included in Schedule RC-G, item 1.b)____________________________________________________________________________________________________
                                                                                                         5515
6. Reserve balances actually passed through to the Federal Reserve by the reporting bank on
   behalf of its respondent depository institutions that are also reflected as deposit liabilities
   of the reporting bank:
   a. Amount reflected in demand deposits (included in Schedule RC-E, Part I,                           RCON
                                                                                                                         0 6.a
      Item 4 or 5 column B)_______________________________________________________________________________________________________________
                                                                                                         2314
   b. Amount reflected in time and savings deposits (1) (included in Schedule RC-E, Part I,
                                                                                                                         0 6.b
      Item 4 or 5, column A or C, but not column B)_______________________________________________________________________________________________
                                                                                                         2315
 7. Unamortized premiums and discounts on time and savings deposits:(1)
                                                                                                                         0 7.a
   a. Unamortized premiums________________________________________________________________________________________________________________
                                                                                                         5516
                                                                                                                     1,000 7.b
   b. Unamortized discounts________________________________________________________________________________________________________________
                                                                                                         5517
8. To be completed by banks with " Oakar deposits ".
   a. Deposits purchased or acquired from other FDIC-insured institutions during the quarter
     (exclude deposits purchased or acquired from foreign offices other than insured
     branches in Puerto Rico and U.S. territories and possessions):
    (1) Total deposits purchased or acquired from other                                                 RCON
                                                                                                                         0 8.a.1
         FDIC-insured institutions during the quarter ______________________________________________________________________________
                                                                                                         A531
    (2) Amount of purchased or acquired deposits reported in item 8.a.(1) above
       attributable to a secondary fund (i.e., BIF members report deposits                              RCON
                                                                                                                         0 8.a.2
     attributable to SAIF; SAIF members report deposits attributable to BIF) ___________________________________________________________
                                                                                                         A532
   b. Total deposits sold or transferred to other FDIC-insured institutions during the quarter
       (exclude sales or transfers by the reporting bank of deposits in foreign offices other
                                                                                                                         0 8.b
       than insured branches in Puerto Rico and U.S. territories and possessions) ___________________________________________________
                                                                                                         A533


(1) For FDIC and FICO insurance assessment purposes, "time and savings deposits" consists
    of nontransaction accounts and all transaction accounts other than demand deposits.
Bank of America, N.A.                         Call Date:     12/31/2000              State #:      37-0355    FFIEC 031
100 N. Tryon Street                          Vendor ID:      D                        Cert #:      03510          RC-22
Charlotte, NC 28255                           Transit #:     53000196
                                                                                                                    32

Schedule RC-O - Continued
                                                                                      Dollar Amounts in Thousands
                                                                                                RCON
                                                                                                                      9
  9. Deposits in lifeline accounts______________________________________________________________________________________________________________
                                                                                                     5596
10. Benefit-responsive "Depository Institution Investment Contracts" (included in total
                                                                                                                   0 10
     deposits in domestic offices)_____________________________________________________________________________________________________________
                                                                                                     8432
 11. Adjustments to demand deposits in domestic offices and in insured branches
     in Puerto Rico and U.S. territories and possessions reported in Schedule RC-E
     for certain reciprocal demand balances :
     a. Amount by which demand deposits would be reduced if the reporting bank's
        reciprocal demand balances with the domestic offices of U.S. banks and
        savings associations and insured branches in Puerto Rico and U.S. territories
        and possessions that were reported on a gross basis in Schedule RC-E                        RCON
                                                                                                                   0 11.a
        had been reported on a net basis _____________________________________________________________________________
                                                                                                     8785
     b. Amount by which demand deposits would be increased if the reporting bank's
        reciprocal demand balances with foreign banks and foreign offices of other
        U.S. banks (other than insured branches in Puerto Rico and U.S.
        territories and possessions) that were reported on a net basis in
                                                                                                                   0 11.b
        Schedule RC-E had been reported on a gross basis _______________________________________________________________________
                                                                                                    A181
     c. Amount by which demand deposits would be reduced if cash items in process
        of collection were included in the calculation of the reporting bank's net
        reciprocal demand balances with the domestic offices of U.S. banks and
        savings associations and insured branches in Puerto Rico and U.S.
                                                                                                                   0 11.c
        territories and possessions in Schedule RC-E ___________________________________________________________________
                                                                                                    A182
 12. Amount of assets netted against deposit liabilities in domestic offices and in insured
      branches in Puerto Rico and U.S. territories and possessions on the balance sheet
      (Schedule RC) in accordance with generally accepted accounting principles (exclude
      amounts related to reciprocal demand balances):
                                                                                                                   0 12.a
     a. Amount of assets netted against demand deposits _________________________________________________________________
                                                                                                    A527
                                                                                                                   0 12.b
     b. Amount of assets netted against time and savings deposits ___________________________________________________________________
                                                                                                    A528

Memoranda (To be completed each quarter except as noted)                                        Dollar Amounts in Thousands
1. Total deposits in domestic offices of the bank (sum of Memorandum items 1.a.(1) and
   1.b.(1) must equal Schedule RC, item 13.a):
   a. Deposit accounts of $100,000 or less:                                                             RCON
                                                                                                         2702 183,186,000 M.1.a1
      (1) Amount of deposit accounts of $100,0000 or less_________________________________________________________________________________________
      (2) Number of deposit accounts of $100,000 or less                               RCON  Number
                                                                                                    N/A                     M.1.a2
          (to be completed for the June report only) ____________________________________________________________________________________________
                                                                                        3779
   b. Deposit accounts of more than $100,000:                                                           RCON
                                                                                                         2710 127,967,000 M.1.b1
      (1) Amount of deposit accounts of more than $100,000_______________________________________________________________________________________
                                                                                               346,097                      M.1.b2
      (2) Number of deposit accounts of more than $100,000_______________________________________________________________________________________
                                                                                        2722
2. Estimated amount of uninsured deposits in domestic offices of the bank:
   a. An estimate of your bank's uninsured deposits can be determined by multiplying the
      number of deposit accounts of more than $100,000 reported in Memorandum item 1.b.(2)
      above by $100,000 and subtracting the result from the amount of deposit accounts of
      more than $100,000 reported in Memorandum item 1.b.(1) above.

       Indicate in the appropriate box at right whether your bank has a method or
       procedure for determining a better estimate of uninsured deposits than the                RCON YES / NO
                                                                                                          N/A      M.2.a
       estimate described above______________________________________________________________________________________________________________
                                                                                                  6861
   b. If the box marked YES has been checked, report the estimate of uninsured deposits
                                                                                                               N/A M.2.b
       determined by using your bank's method or procedure________________________________________________________________________________________
                                                                                                  5597
3. Has the reporting institution been consolidated with a parent bank
   or savings association in that parent bank's or parent savings association's
   Call Report or Thrift Financial Report ?
   If so, report the legal title and FDIC Certificate Number of the
   parent bank or parent savings association:
           Text                                                                                  RCONFDIC Cert No.
     A545                                                                                         A545         N/A M.3
Bank of America, N.A.                                 Call Date:      12/31/2000              State #:   37-0355     FFIEC 031
100 N. Tryon Street                                  Vendor ID:       D                        Cert #:   03510           RC-23
Charlotte, NC 28255                                   Transit #:      53000196
                                                                                                                           33

Schedule RC-R - Regulatory Capital
This schedule must be completed by all banks as follows: Banks that reported total assets of $1 billion or more
in Schedule RC item 12, for June 30, 1999 , must complete items 2 through 9 and Memoranda items 1 and 2.
 BANKS WITH ASSETS OF LESS THAN $1 BILLION MUST COMPLETE ITEMS 1 THROUGH 3 BELOW OR SCHEDULE RCR
 IN ITS ENTIRETY, DEPENDING ON THEIR RESPONSE TO ITEM 1 BELOW.

 1. Test for determining the extent to which Schedule RC-R must be completed.                                               C480 <-
    To be completed only by banks with total assets of less than $1 billion.
    Indicate in the appropriate box at the right whether the bank has total capital greater than or            RCFD YES / NO
                                                                                                                        N/A    1.
    equal to eight percent of adjusted total assets________________________________________________________________________________________________
                                                                                                                6056
       For purposes of this test, adjusted total assets equals total assets less cash, U.S. Treasuries, U.S. Government
    agency obligations, and 80 percent of U.S. Government-sponsored agency obligations plus the allowance for
    loan and lease losses and selected off-balance sheet items as reported on Schedule RC-L (see instructions).
       If the box marked YES has been checked, then the bank only has to complete items 2 and 3 below. If the box
    marked NO has been checked, the bank must complete the remainder of this schedule.
       A NO response to item 1 does not necessarily mean that the bank's actual risk-based capital ratio is less than
    eight percent or that the bank is not in compliance with the risk-based capital guidelines.

 NOTE: All Banks are required to complete
 items 2 and 3 below.
                                                                                                    Dollar Amounts in Thousands
2. Portion of qualifying limited-life capital instruments (original weighted
   average maturity of at least five years) that is includible in Tier 2 capital :                          RCFD
                                                                                                                      9,440,000 2.a
   a. Subordinated debt (1) and intermediate term preferred stock ____________________________________________________________
                                                                                                            A515
                                                                                                                              0 2.b
   b. Other limited-life capital instruments ________________________________________________________________________________________
                                                                                                            A516
3. Amounts used in calculating regulatory capital ratios (report amounts determined by the bank
   for its own internal regulatory capital analyses consistent with applicable capital standards) :
                                                                                                                     39,178,000 3.a.1
   a. (1) Tier 1 capital ___________________________________________________________________________________________________________
                                                                                                            8274
                                                                                                                     15,693,000 3.a.2
        (2) Tier 2 capital _________________________________________________________________________________________________
                                                                                                            8275
        (3) Tier 3 capital _____________________________________________________________________________________________
                                                                                                            1395              0 3.a.3
                                                                                                                     54,871,000 3.b
   b. Total risk-based capital ___________________________________________________________________________________________________________
                                                                                                            3792
   c. Excess allowance for loan and lease losses (amount that
                                                                                                                        155,000 3.c
       exceeds 1.25% of gross risk-weighted assets)________________________________________________________________________________
                                                                                                            A222
   d. (1) Net risk-weighted assets (gross risk-weighted assets,
            including market risk equivalent assets,
                                                                                                            A223 507,708,000 3.d.1
            less excess allowance reported in item 3.c above and all other deductions) _______________________________________________
                                                                                                                     16,453,000 3.d.2
       (2) Market risk equivalent assets (included in item 3.d.(1) above) _________________________________________________________
                                                                                                            1651
   e. Maximum contractual dollar amount of recourse exposure in low level recourse
       transactions (to be completed only if the bank uses the "direct reduction method"
                                                                                                                              0 3.e
       to report these transactions in Schedule RC-R) ____________________________________________________________________________________________
                                                                                                            1727
   f. "Average total assets" (quarterly average reported in Schedule RC-K,
                                                                                                            A224 594,273,000 3.f
      item 9, less all assets deducted from Tier 1 capital)(2) ________________________________________________________________________

 Items 4-9 and Memoranda items 1 and 2 are to be completed
 by banks that answered NO to item 1 above and
 by banks with total assets of $1 billion or more.                                       --(Column A)-    -(Column B)--
                                                                                             Assets        Credit Equiv-
                                                                                            Recorded      valent Amount
                                                                                             on the      of Off-Balance
                                                        Dollar Amounts in Thousands      Balance Sheet   Sheet Items (3)
4. Assets and credit equivalent amount of off-balance sheet items assigned
  to the Zero percent risk category:                                                RCFD
                                                                                         24,565,000 RCFD             4.a
   a. Assets recorded on the balance sheet _______________________________________________________________________________
                                                                                    5163
                                                                                                           1,846,000 4.b
   b. Credit equivalent amount of off-balance sheet items__________________________________________________________________________________________
                                                                                                    3796


(1) Exclude mandatory convertible debt reported in Schedule RC-M, item 7.
(2) Do not deduct excess allowance for loan and lease losses.
(3) Do not report in column B the risk-weighted amount of assets reported in column A.
Bank of America, N.A.                                   Call Date:        12/31/2000                     State #:      37-0355             FFIEC 031
100 N. Tryon Street                                    Vendor ID:         D                               Cert #:      03510                   RC-24
Charlotte, NC 28255                                     Transit #:        53000196
                                                                                                                                                34

Schedule RC-R - Continued
                                                                                                    --(Column A)-          -(Column B)--
                                                                                                       Assets              Credit Equiv-
                                                                                                      Recorded            valent Amount
                                                                                                       on the             of Off-Balance
                                                           Dollar Amounts in Thousands      Balance Sheet      Sheet Items (2)
5. Assets and credit equivalent amounts of off-balance sheet items assigned to the
   20 percent risk category:                                                           RCFD
                                                                                             98,895,000 RCFD
   a. Assets recorded on the balance sheet ______________________________________________________________
                                                                                       5165                                    5.a
                                                                                                                   17,327,000 5.b
   b. Credit equivalent amount of off-balance sheet items__________________________________________________________________________________________
                                                                                                          3801
6. Assets and credit equivalent amounts of off-balance sheet items
   assigned to the 50 percent risk category:
                                                                                       3802 106,608,000                        6.a
   a. Assets recorded on the balance sheet_____________________________________________________________________________________________________
                                                                                                                   41,346,000 6.b
   b. Credit equivalent amount of off-balance sheet items__________________________________________________________________________________________
                                                                                                          3803
7. Assets and credit equivalent amounts of off-balance sheet items
   assigned to the 100 percent risk category:
                                                                                       3804 298,114,000                        7.a
   a. Assets recorded on the balance sheet_____________________________________________________________________________________________________
                                                                                                                   96,243,000 7.b
   b. Credit equivalent amount of off-balance sheet items__________________________________________________________________________________________
                                                                                                          3805
8. On-balance sheet asset values excluded from and deducted in
                                                                                             62,605,000                        8.
   the calculation of the risk-based capital ratio(2) _________________________________________________________________________________
                                                                                       3806
9. Total assets recorded on the balance sheet (sum of
   items 4.a, 5.a, 6.a, 7.a, and 8, column A) (must equal Schedule RC,
                                                                                       3807 590,787,000                        9.
   item 12 plus items 4.b and 4.c)____________________________________________________________________________________________________________

Memoranda                                                                                   Dollar Amounts in Thousands
1. Current credit exposure across all off-balance sheet derivative contracts covered by the         RCFD
                                                                                                             17,485,000 M.1
   risk-based capital standards______________________________________________________________________________________________________________
                                                                                                    8764


                                                                               ----------- With a remaining maturity of ----------
                                                                           --(Column A)--         --(Column B)--     --(Column C)--
                                                                              One Year                  Over               Over
                                                                               or less                one year          five years
2. Notional principal amounts of off-balance                                                       thru five years
   sheet derivative contracts:(3)                           RCFD               RCFD               RCFD
                                                            3809 1,806,967,000 8766 1,516,763,000 8767 1,212,836,000 M.2.a
   a. Interest rate contracts_________________________________________________________________________________________________________________
                                                            3812 635,197,000 8769      53,148,000 8770    29,114,000 M.2.b
   b. Foreign exchange contracts_____________________________________________________________________________________________________________
                                                                             0 8772             0 8773             0 M.2.c
   c. Gold contracts_______________________________________________________________________________________________________________________
                                                            8771
                                                                        58,000 8775         3,000 8776             0 M.2.d
   d. Other precious metals contracts_________________________________________________________________________________________________________
                                                            8774
                                                                    14,054,000 8778     3,555,000 8779     7,779,000 M.2.e
   e. Other commodity contracts_____________________________________________________________________________________________________________
                                                            8777
                                                                    25,268,000 A001    31,213,000 A002    16,306,000 M.2.f
   f. Equity derivative contracts______________________________________________________________________________________________________________
                                                            A000


(1) Do not report in column B the risk-weighted amount of assets reported in column A.
(2) Include the difference between the fair value and the amortized cost of its available-for-sale securities in item 8 and report
    the amortized cost of these securities in items 4 through 7 above. Item 8 also includes on-balance sheet asset values (or
    portions thereof) of off-balance sheet interest rate, foreign exchange rate, and commodity contracts and those contracts
    (e.g. future contracts) not subject to risk-based capital. item 8 margin accounts and accrued receivables not included in
   the calculation of credit equivalent amounts of off-balance sheet derivatives as well as any
   portion of the allowance for loan and lease losses in excess of the amount that may be included in Tier 2 capital.
(3) Exclude foreign exchange contracts with an original maturity of 14 days or less and all futures contracts.
Bank of America, N.A.                                  Call Date:       12/31/2000                    State #:       37-0355         FFIEC 031
100 N. Tryon Street                                   Vendor ID:        D                              Cert #:       03510               RC-25
Charlotte, NC 28255                                    Transit #:       53000196
                                                                                                                                          35

        Optional Narrative Statement Concerning the Amounts
          Reported in the Reports of Condition and Income
                             at close of business on December 31, 2000

           Bank of America, N.A.                  Charlotte                                         NC
            Legal Title of Bank                      City                                          State

 The management of the reporting bank may, if it wishes, submit a brief narrative statement on the amounts reported in the
 Reports of Condition and Income. This optional statement will be made available to the public, along with the publicly
 available data in the Reports of Condition and Income, in response to any request for individual bank report data. However
 the information reported in column A and in all of Memorandum item 1 of Schedule RC-N is regarded as confidential and will
 not be released to the public.

 BANKS CHOOSING TO SUBMIT THE NARRATIVE STATEMENT SHOULD ENSURE THAT THE
 STATEMENT DOES NOT CONTAIN THE NAMES OR OTHER IDENTIFICATIONS OF INDIVIDUAL BANK CUSTOMERS,
 REFERENCES TO THE AMOUNTS REPORTED IN THE CONFIDENTIAL ITEMS IN SCHEDULE RC-N, OR ANY OTHER INFORMATION
 THAT THEY ARE NOT WILLING TO HAVE MADE PUBLIC OR THAT WOULD COMPROMISE THE PRIVACY OF THEIR CUSTOMERS.

 All information furnished by the bank in the narrative statement must be accurate and not misleading. Appropriate efforts
 shall be taken by the submitting bank to ensure the statements accuracy.

 If, subsequent to the original submission, material changes are submitted for the data reported in the Reports of Condition and
 Income, the existing narrative statement will be deleted from the files, and from disclosure; the bank at its option, may replace
 it with a statement appropriate to the amended area.

 The optional narrative statement will appear in agency records and in release to the public exactly as submitted (or amended
 as described in the preceding paragraph) by the management of the bank.

 THE STATEMENT WILL NOT EDITED OR SCREENED IN ANY WAY BY THE SUPERVISORY AGENCIES FOR ACCURACY
 OR RELEVANCE. DISCLOSURE OF THE STATEMENT SHALL NOT SIGNIFY THAT ANY FEDERAL SUPERVISORY AGENCY
 HAS VERIFIED OR CONFIRMED THE ACCURACY OF THE INFORMATION CONTAINED THEREIN. A STATEMENT TO THIS
 EFFECT WILL APPEAR ON ANY PUBLIC RELEASE OF THE OPTIONAL STATEMENT SUBMITTED BY THE MANAGEMENT
 OF THE REPORTING BANK.



_______________________________________________________________________________________________________________________________________

                                                                                                                         C471 C472 <-
                                                                                                                 RCON
                                                                                           X
X = NO COMMENT Y = COMMENT______________________________________________________________________________________________
                                                                                 6979
BANK MANAGEMENT STATEMENT (please type or print clearly):
              TEXT (70 characters per line)




        Signature of Executive Officer of Bank                          Date of Signature



                                      THIS PAGE IS TO BE COMPLETED BY ALL BANKS
                          THIS PAGE IS TO BE COMPLETED BY ALL BANKS
___________________________________________________________________________________________________________________

                                                                                                                                                                       36

           Bank of America, N.A.                                                                                     OMB No. For FDIC: 1557-0081
           100 N. Tryon Street                                                                                       OMB No. For FDIC: 3064-0052
           Charlotte, NC 28255                                                                                    OMB No. For Federal Reserve: 7100-0036
                                                                                                                       Expiration Date: 3/31/2002

                                                                                                                                                        SPECIAL REPORT
                                                                                                                                                              C700 <-
                                                                                                                                         Dollar Amounts in Thousands
                                                                                                                                  Close of Busi-
                                                                                                                                      ness Date :      FDIC Cert. #
                                                                                                                                    12/31/2000             03510
_______________________________________________________________________________________________________________________________________________________
LOANS TO EXECUTIVE OFFICERS (Complete as of each Call Report Date)
_______________________________________________________________________________________________________________________________________
 The following information is required by Public Laws 90-44 and 102-242, but does not constitute a part of the Report of
 Condition. With each Report of Condition, these Laws require all banks to furnish a report of all loans or other extensions of
 credit to their executive officers made since the date of the previous Report of Condition. Data regarding individual loans or
other extensions of credit are not required. If no such loans or other extensions of credit were made during the period, insert
 "none" against subitem (a). (Exclude the first $15,000 of indebtedness of each executive officer under bank credit card plan.)
 See Section 215.2 and 215.3 of Title 12 of the Code of Federal Regulations. (Federal Reserve Board Regulation O) for the
 definitions of "executive officer" and "extension of credit", respectively. Exclude loans and other extensions of credit to
 directors and principal shareholders who are not executive officers.
                                                                                                                                                RCFD
                                                                                                                      0 a.
a. Number of loans made to executive officers since the previous Call Report date______________________________________________________________________
                                                                                                       3561
                                                                                                                      0 b.
b. Total dollar amount of above loans (in thousands of dollars)_____________________________________________________________________________________
                                                                                                       3562
c. Range of interest charged on above loans                                          RCFD    From     RCFD     To
                                                                                                 0.00% 7702       0.00% c.
   (example: 9-3/4% = 9.75) _______________________________________________________________________________________________________________
                                                                                     7701




_______________________________________________________________________________________________________________________________________
SIGNATURE AND TITLE OF OFFICER AUTHORIZED TO SIGN REPORT:                    DATE (Month, Day, Year):

_______________________________________________________________________________________________________________________________________
FDIC 8040/53 (3-98)
REPORT OF CONDITION
_______________________________________________________________________________________________________________________________________
Consolidating domestic subsidiaries of the
          Bank of America, N.A.
          in the state of NC at the close of business on December 31, 2000
published in response to call made by (Enter additional information below)
    ###
    ###

Statement of Resources and Liabilities
                                                                                      Dollar Amounts in Thousands
ASSETS
Cash and balances due from depository institutions:
                                                                                                      28,220,000
  Noninterest-bearing balances and currency and coin ___________________________________________________________________________________________
                                                                                                       2,394,000
  Interest-bearing balances________________________________________________________________________________________________________________
Securities:
                                                                                                             1,139,000
   Held-to-maturity securities________________________________________________________________________________________________________________
                                                                                                            62,623,000
   Available-for-sale securities_______________________________________________________________________________________________________________
                                                                                                            16,446,000
Federal funds sold and securities purchased under agreements to resell _________________________________________________________
Loans and lease financing receivables:
                                                                                         380,009,000
   Loans and leases, net of unearned income___________________________________________________________________________________________________
                                                                                           6,460,000
   LESS: Allowance for loan and lease losses___________________________________________________________________________________________________
                                                                                              43,000
   LESS: Allocated transfer risk reserve_______________________________________________________________________________________________________
                                                                                                           373,506,000
   Loans and leases, net of unearned income, allowance, and reserve________________________________________________________________________________
                                                                                                            40,953,000
Trading Assets __________________________________________________________________________________________________________________________
                                                                                                             6,183,000
Premises and fixed assets (including capitalized leases)__________________________________________________________________________________________
                                                                                                               289,000
Other real estate owned____________________________________________________________________________________________________________________
                                                                                                               682,000
Investments in unconsolidated subsidiaries and associated companies_______________________________________________________________________________
                                                                                                             1,969,000
Customers' liability to this bank on acceptances outstanding_______________________________________________________________________________________
                                                                                                            14,909,000
Intangible assets_________________________________________________________________________________________________________________________
                                                                                                            34,971,000
Other assets____________________________________________________________________________________________________________________________
                                                                                                           584,284,000
Total assets_____________________________________________________________________________________________________________________________




FDIC 8040/54B (3-90)                                                                                                              Conti
_______________________________________________________________________________________________________________________________________
REPORT OF CONDITION (Continued)
_______________________________________________________________________________________________________________________________________________________

LIABILITIES
                                                                                                    Dollar Amounts in Thousands
Deposits:
                                                                                                          311,153,000
  In domestic offices______________________________________________________________________________________________________________________
                                                                                         100,557,000
    Noninterest-bearing___________________________________________________________________________________________________________________
                                                                                         210,596,000
    Interest-bearing_______________________________________________________________________________________________________________________
                                                                                                           74,631,000
  In foreign offices, Edge and Agreement subsidiaries, and IBFs___________________________________________________________________________________
                                                                                           2,990,000
    Noninterest-bearing___________________________________________________________________________________________________________________
                                                                                          71,641,000
    Interest-bearing_______________________________________________________________________________________________________________________
                                                                                                           35,807,000
Federal funds purchased and securities sold under agreements to repurchase _____________________________________________________
                                                                                                              992,000
Demand notes issued to the U.S. Treasury_____________________________________________________________________________________________________
                                                                                                           38,918,000
Trading liabilities_________________________________________________________________________________________________________________________
Other borrowed money:
                                                                                                           33,165,000
  With remaining maturity of one year or less ____________________________________________________________________________________
                                                                                                            6,021,000
  With a remaining maturity of more than one year through three years ________________________________________________________
                                                                                                            2,251,000
  With a remaining maturity of more than three years ___________________________________________________________________________
                                                                                                            1,970,000
Bank's liability on acceptances executed and outstanding__________________________________________________________________________________________
                                                                                                           10,328,000
Subordinated notes and debentures__________________________________________________________________________________________________________
                                                                                                           19,718,000
Other liabilities___________________________________________________________________________________________________________________________
                                                                                                          534,954,000
Total liabilities___________________________________________________________________________________________________________________________

EQUITY CAPITAL

                                                                                                                      0
Perpetual preferred stock and related surplus___________________________________________________________________________________________________
                                                                                                              2,833,000
Common stock___________________________________________________________________________________________________________________________
                                                                                                             32,251,000
Surplus________________________________________________________________________________________________________________________________
                                                                                                             14,959,000
Undivided profits and capital reserves_________________________________________________________________________________________________________
                                                                                                               (535,000)
Net unrealized holding gains (losses) on available-for-sale securities_________________________________________________________________________________
Accumulated net gains (losses) on cash flow hedges _________________________________________________________________  0
                                                                                                               (178,000)
Cumulative foreign currency translation adjustments______________________________________________________________________________________________
                                                                                                             49,330,000
Total equity capital________________________________________________________________________________________________________________________
                                                                                                            584,284,000
Total liabilities and equity capital ______________________________________________________________________________________________

                                                                                 I,
We, the undersigned directors, attest to the 4769
correctness of this statement of resources and                           ( Name, Title )
liabilities. We declare that it has been examined of the above named bank do hereby declare
by us, and to the best of our knowledge and       that this Report of Condition is true and
belief has been prepared in conformance           correct to the best of my knowledge and belief.
with the instructions and is true and correct.

    Text
    ###
Director #1

Director #2

Director #3




FDIC 8040/54B (Page 2)
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